Acceptance of Terms
By accessing or using the DealLens platform and associated services ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Service. These Terms constitute a legally binding agreement between you and DealLens ("DealLens", "we", "us", or "our").
These Terms apply to all users of the Service, including individual account holders, organizational administrators, and any entity on whose behalf an individual accesses the Service. If you are accepting these Terms on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
Your continued use of the Service after any modification to these Terms constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically. Questions about these Terms should be directed to [email protected].
Description of Service
DealLens provides AI-powered credit intelligence software that monitors public filings from the SEC EDGAR database, extracts covenant and financial information from those filings, and generates structured credit analysis reports. The Service enables credit professionals to monitor portfolios, track covenant compliance, and identify distressed situations in real time.
The Service is provided on a subscription basis. Access to specific features, data coverage, and usage limits may vary depending on your subscription tier as specified in the applicable order form or pricing schedule. DealLens reserves the right to modify, enhance, or discontinue features of the Service with reasonable notice to subscribers.
The Service is intended for use by qualified credit professionals, investment analysts, restructuring advisors, and financial institutions. It is not intended for retail investors or general consumer use.
User Accounts
You must create an account to access the Service. When registering, you agree to provide accurate, current, and complete information and to keep that information up to date. Accounts may not be created on behalf of another person without their express authorization. You must be at least 18 years old to create an account.
You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify DealLens immediately at [email protected] if you suspect any unauthorized access to or use of your account. DealLens will not be liable for any loss arising from unauthorized use of your credentials where such use results from your failure to maintain adequate security.
Organizational accounts may designate administrators who can manage user seats, permissions, and billing. Administrators are responsible for ensuring that all users within their organization comply with these Terms. DealLens reserves the right to suspend or terminate accounts that we reasonably believe are being used in violation of these Terms.
Acceptable Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You may not use the Service in any way that violates applicable federal, state, local, or international law or regulation. You may not use the Service to transmit any unsolicited or unauthorized advertising or promotional material, or to engage in any conduct that restricts or inhibits any other user's enjoyment of the Service.
You specifically agree not to: (a) attempt to reverse engineer, decompile, or disassemble any component of the Service; (b) share your account credentials with third parties or allow multiple individuals to use a single-seat license concurrently; (c) use automated scraping tools, bots, or crawlers against DealLens systems or infrastructure; (d) reproduce, redistribute, resell, or sublicense Service output as a stand-alone data product or competing service; (e) circumvent any access controls, rate limits, or security measures implemented within the Service.
DealLens reserves the right to investigate and take appropriate action against violations of this section, including but not limited to suspending or terminating your account, reporting violations to law enforcement authorities, and seeking injunctive or other equitable relief.
Payment Terms
Subscriptions to the Service are billed on an annual basis unless otherwise specified in your order form. All fees are due and payable in advance at the start of each subscription period. Payment is processed through our payment provider, Stripe. By providing payment information, you authorize DealLens to charge the applicable fees to your payment method on the billing date.
All fees are non-refundable except as expressly required by applicable law or as stated in a separate written agreement. DealLens reserves the right to modify its pricing with at least 30 days' written notice prior to the start of your next subscription renewal period. Failure to pay fees when due may result in suspension of your access to the Service.
You are responsible for all applicable taxes, levies, or duties imposed by taxing authorities related to your purchase. DealLens will charge taxes where required to do so by law. If you believe an error has been made in billing, you must contact us at [email protected] within 30 days of the date on which the error occurred.
Intellectual Property
DealLens and all associated software, algorithms, models, user interfaces, and platform content are owned by DealLens and are protected by intellectual property laws. The raw text of SEC filings is a matter of public record; however, our extraction pipelines, structured data schemas, covenant analysis logic, natural language processing outputs, and report formats are proprietary and constitute valuable trade secrets and copyrighted works of DealLens.
You retain ownership of any data you upload to or create within the Service, including watchlists, notes, annotations, and portfolio configurations ("Your Data"). By using the Service, you grant DealLens a limited, non-exclusive license to process and store Your Data solely for the purpose of providing the Service to you. DealLens does not claim any ownership rights in Your Data.
If you provide DealLens with feedback, suggestions, or ideas regarding the Service, you grant DealLens a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate such feedback into the Service without any obligation of compensation or attribution to you.
Data and Privacy
Your use of the Service is governed by our Privacy Policy, which is incorporated into these Terms by reference. We encourage you to read the Privacy Policy carefully to understand our practices regarding the collection, use, and disclosure of personal information.
We do not share your portfolio data, watchlists, credit analysis outputs, or any other data specific to your account with other DealLens clients. Our architecture enforces client-level data segregation at the database and API layer. We may use aggregated, anonymized, and de-identified usage data to improve the Service, develop new features, and conduct internal research, but such use will never expose individual client data or identifiable information.
We do not use your specific investment decisions, portfolio holdings, or credit analysis data to train AI models made available to other clients. We are committed to maintaining the confidentiality of information you share with DealLens in the ordinary course of using the Service. For questions about our data practices, contact [email protected].
Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, DEALLENS HEREBY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
DEALLENS DOES NOT WARRANT THAT (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; OR (D) ANY ERRORS IN THE SERVICE WILL BE CORRECTED. THE EXTRACTION OF COVENANT DATA FROM FILINGS IS PERFORMED BY AI SYSTEMS AND MAY CONTAIN INACCURACIES OR OMISSIONS.
THE SERVICE IS NOT A SUBSTITUTE FOR INDEPENDENT PROFESSIONAL LEGAL, FINANCIAL, OR INVESTMENT ADVICE. NOTHING IN THE SERVICE CONSTITUTES LEGAL ADVICE, INVESTMENT ADVICE, OR A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY. YOU SHOULD NOT MAKE ANY INVESTMENT OR CREDIT DECISION BASED SOLELY ON INFORMATION OR ANALYSIS PROVIDED BY THE SERVICE WITHOUT INDEPENDENT VERIFICATION.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DEALLENS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR ANY OTHER COMMERCIAL LOSSES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DEALLENS' TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO DEALLENS IN THE TWELVE (12) CALENDAR MONTHS IMMEDIATELY PRECEDING THE DATE OF THE CLAIM GIVING RISE TO SUCH LIABILITY.
THE LIMITATIONS OF LIABILITY SET FORTH IN THIS SECTION SHALL APPLY REGARDLESS OF THE FORM OF THE ACTION, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF DEALLENS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Termination
DealLens may suspend or terminate your access to the Service immediately, without prior notice or liability, if you breach any provision of these Terms or if we are required to do so by law. We may also suspend access if your account is subject to pending legal proceedings, investigation, or if we have reason to believe that continued access poses a security risk to our systems or other users.
You may terminate your subscription at any time by contacting us at [email protected] or through your account settings. Termination will take effect at the end of your current billing period unless otherwise agreed. No refunds will be issued for the remainder of a prepaid subscription term upon voluntary cancellation. Upon termination, your right to access and use the Service ceases immediately.
The following sections of these Terms survive termination: Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Governing Law, and any other provision that by its nature should survive. DealLens will handle any data retained after termination in accordance with our Privacy Policy.
Governing Law
These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law principles.
Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with the seat of arbitration in New York County, New York. The arbitration shall be conducted in English. Judgment on the arbitral award may be entered in any court having jurisdiction.
Notwithstanding the foregoing, either party may seek emergency or interim relief from a court of competent jurisdiction in New York County to prevent irreparable harm pending arbitration. Each party waives any right to a trial by jury in connection with any action or litigation arising under or in relation to these Terms.
Changes to Terms
DealLens reserves the right to update or modify these Terms at any time at our sole discretion. When we make changes, we will update the "Last updated" date at the top of these Terms. For material changes that affect your rights or obligations, we will provide at least 14 days' notice by email to the address associated with your account, or via an in-app notice visible upon login.
Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of those changes. If you do not agree to the modified Terms, you must discontinue your use of the Service and cancel your subscription in accordance with the Termination section above.
These Terms, together with our Privacy Policy and any applicable order form, constitute the entire agreement between you and DealLens with respect to the Service, and supersede all prior and contemporaneous agreements, representations, and understandings between you and DealLens. Questions? Contact us at [email protected].