Disclaimer
Last updated October 29, 2026.
Short version: 13F.AI publishes information. It does not tell you what to buy or sell. Data can be late, incomplete or wrong. Check the original source before you act, and talk to a licensed professional about your own situation.
1. Not Investment Advice
All content on 13F.AI, including data, charts, scores, rankings, alerts, backtests, newsletters, social posts and AI-generated summaries, is provided for general information and education only. It is not investment, financial, trading, legal, tax or accounting advice, and it is not an offer, solicitation or recommendation to buy, sell or hold any security, derivative, prediction-market contract or other instrument, or to adopt any strategy.
13F.AI LLC is a publisher of general, impersonal information. It is not registered as an investment adviser, broker-dealer, commodity trading adviser or financial planner with the SEC, CFTC, FINRA or any state. Our content is not personalized and does not consider your financial situation, objectives, risk tolerance or tax circumstances.
Using 13F.AI does not create an adviser-client, fiduciary or other special relationship. You are solely responsible for your investment decisions and for any gains or losses. Investing involves risk, including the possible loss of all the money you invest. Consult a qualified, licensed professional before making any financial decision.
The appearance of a company, security, fund, politician or person on 13F.AI, including on a list, leaderboard, theme or alert, is not an endorsement, recommendation or accusation of wrongdoing. 13F.AI, its owners and its employees may hold positions in securities mentioned on the site and may trade them at any time, subject to our internal policies.
2. Data Accuracy and Timeliness
Most of our data comes from government agencies and other third parties, including the SEC, the House Clerk and Senate Office of Public Records, the Federal Election Commission, USAspending.gov, the Lobbying Disclosure Act database, FINRA, the USPTO and market-data vendors. We process it with automated parsers and matching rules that turn names into companies, tickers and people.
Because of this:
- Data may be delayed. Filings reach us after they are made public, which can be hours, days or weeks after the underlying event. Alerts can be delayed or fail to send.
- Data may be incomplete or wrong. Source filings contain errors, amendments and omissions. Our parsing can introduce mistakes. Historical coverage varies by dataset.
- Matching is heuristic. A filer, recipient, employer or donor may be linked to the wrong company, ticker or person, or not linked at all, especially after mergers, name changes, spin-offs and ticker changes.
- Data can change. We may correct, restate, re-match or remove data without notice.
Every record we can link to its source includes a link. Check that source before relying on any single record.
3. What to Know About Specific Datasets
| Dataset | Limits to keep in mind |
|---|---|
| Congressional trades | Members report transactions up to 45 days after they happen, and some file late. Amounts are disclosed as ranges (for example, $1,001–$15,000), not exact figures; any dollar value we show is an estimate. Trades may belong to a spouse or dependent, or be made by a manager the member does not direct. |
| Insider trades (Forms 3, 4, 5) | Most Form 4s are due within two business days, but some transactions are reported later on Form 5. Many trades are routine, planned (Rule 10b5-1), tax-related or option-related and say little about the insider's view. |
| 13F institutional holdings | Filed quarterly, up to 45 days after quarter-end, so holdings may be months old. 13Fs show only certain long U.S.-listed positions; they omit short positions, most derivatives hedges, cash, and non-U.S. holdings, and some holdings may be confidential. |
| 13D/13G stakes | Filed after the stake is acquired, under deadlines that vary by filer type; the filer may have changed its position since. |
| Lobbying | Reported quarterly after the quarter ends. Spending figures are filer estimates rounded to set amounts, and the issues lobbied are self-described. |
| Campaign finance (FEC) | Reported on schedules that vary by committee and election cycle. Employer and occupation are self-reported by donors and often missing or inconsistent. We aggregate contributions by employer; aggregates reflect individual employees' choices, not the company's position. Contributions under $200 are generally not itemized. |
| Federal contracts | USAspending figures are obligations, not payments, and can be revised or de-obligated. Place-of-performance and congressional district fields are reported by agencies and may be missing or wrong. |
| Election results | Results are unofficial until certified and can change during canvassing and recounts. |
| Short interest and short volume | Short interest is reported twice a month with a lag. FINRA short volume is not the same as short interest and includes market-making activity. |
| Market prices and returns | Prices may be delayed or adjusted. Return calculations use our own assumptions about dates, splits and benchmarks, and they exclude dividends, taxes and trading costs unless stated. Market Data from Tiingo.com. |
4. Backtests, Scores and Past Performance
PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. Backtested, hypothetical and simulated results, including strategy returns, "returns after events," fund leaderboards and estimated performance of politicians or funds, have serious inherent limits:
- They are calculated with the benefit of hindsight and do not reflect actual trading.
- They assume trades at prices and dates that may not have been achievable, often before the underlying filing was public.
- They usually exclude commissions, spreads, slippage, taxes, dividends and market impact unless stated.
- They may be affected by survivorship bias, look-ahead bias, data errors and our choice of rules and benchmarks.
- No representation is made that any account will or is likely to achieve similar results.
Scores, ratings, rankings, signals and alerts are produced by formulas and models we design and may change at any time. They are opinions about data, not predictions or recommendations.
5. AI-Generated Content and AI Assistants
Some content on 13F.AI, such as summaries, explanations, theme descriptions and news write-ups, is generated or assisted by artificial intelligence. AI output can be inaccurate, incomplete, out of date or misleading, and can state errors confidently. It is not reviewed by a human in every case.
If you connect an AI assistant to 13F.AI through our API or MCP server, the assistant, not 13F.AI, decides how to interpret and present our data. We are not responsible for what any AI assistant says, recommends or does with our data. Always check important facts against the source filing.
6. Political Content, Prediction Markets and Advertising
Political information. 13F.AI reports what public officials, candidates, committees, donors and companies disclose. We are nonpartisan and do not endorse or oppose any candidate, party or ballot measure. A disclosed trade, donation, contract or lobbying relationship is not evidence of wrongdoing, a conflict of interest, or insider knowledge.
Prediction markets. Where we show prediction-market prices or odds, they reflect the bets of market participants at a point in time, not facts or forecasts by 13F.AI. They can be thin, volatile or manipulated. Trading on prediction markets may be restricted or illegal where you live, and we do not facilitate it.
Advertising and affiliate links. 13F.AI shows advertisements and sponsored placements and may earn a commission or fee when you click a link, sign up or buy something from a partner, such as a broker. Sponsored content is labeled. Compensation does not affect our data, but it may affect which partners we feature. We do not endorse any advertiser's products, and you should review their terms and disclosures yourself.
7. Other Terms
Forward-looking statements. Content that discusses future events, such as earnings, elections, legislation, contract awards or market moves, is based on assumptions and current information and is subject to risks and uncertainties. Actual outcomes may differ materially. We have no duty to update any content.
No endorsement of third parties. Links to third-party sites, filings, articles and services are provided for convenience. We do not control or endorse them and are not responsible for their content.
Part of our Terms. These Disclaimers are part of the Terms of Service (13f.ai/terms), including its Disclaimer of Warranties, Limitation of Liability, and Binding Arbitration sections, which apply to all content described here. If these Disclaimers and the Terms conflict, the Terms control.
Questions: support@13f.ai