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Terms of service

Last updated October 29, 2026.

PLEASE READ THESE TERMS CAREFULLY. SECTION 13 CONTAINS A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO GO TO COURT. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS AS DESCRIBED IN SECTION 13.9.

PERSONAL USE ONLY. Basic, Premium and every other individual plan are licensed for your own personal, non-commercial use. Without a separate written commercial license, you may not republish, redistribute, display, share or resell our data or anything made from it, use it for a business, employer or client, or use it to train AI models (Section 6). For commercial use, see 13f.ai/commercial.

1. Agreement to These Terms

1.1 Who we are. These Terms of Service ("Terms") are a binding contract between you and 13F.AI LLC, a New Mexico limited liability company ("13F.AI," "we," "us" or "our"). They govern your access to and use of the website at 13f.ai and its subdomains, our mobile applications, our application programming interface ("API"), our Model Context Protocol server, our email and push alerts, and every other product, feature, dataset and service we offer (together, the "Service").

1.2 Acceptance. You accept these Terms when you create an account, start a trial or subscription, check a box or click a button that refers to these Terms, generate an API key, connect to our MCP server, download a file, or otherwise access or use the Service. We keep a record of the version of these Terms you accepted and when. If you do not agree, do not use the Service.

1.3 Other policies. Our Privacy Policy (13f.ai/privacy) and our Disclaimers (13f.ai/disclaimer) are part of these Terms. Plan descriptions, checkout pages, API documentation and any terms shown to you when you buy something are also part of these Terms. If they conflict with these Terms, these Terms control unless the other document expressly says it overrides a specific section.

1.4 Eligibility. You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for users in the United States. You may not use the Service if you are barred from doing so under applicable law, if you are located in a country subject to U.S. sanctions, or if we have previously suspended or terminated your account.

1.5 Individual use; organizations. Our Individual Plans (Section 4.1) are for one individual's personal, non-commercial use under Section 6. Using the Service by, for or on behalf of a company, fund, firm, publication or other organization requires a Commercial License (Section 6.7). If you use the Service for an organization anyway, you represent that you are authorized to bind it to these Terms, "you" includes that organization, and you and the organization are jointly responsible for compliance with these Terms.

1.6 Changes to these Terms. We may change these Terms at any time. We will post the updated Terms with a new "Last updated" date. If a change is material, we will also give you reasonable advance notice, such as by email or an in-app notice. Changes take effect on the date stated in the notice, and in any case no sooner than when posted. Your continued use of the Service after that date means you accept the change. If you do not agree, your only remedy is to stop using the Service and cancel your subscription. Changes to Section 13 (Arbitration) apply only as stated in Section 13.11.

2. The Service; Not Investment Advice

2.1 What the Service is. The Service collects, organizes and displays information drawn mostly from public sources, such as SEC filings, congressional disclosures, lobbying and campaign finance reports, federal contract data and market data. It also offers analytics, scores, rankings, backtests, alerts, summaries and other content we derive from that information, some of which is generated with automated tools and artificial intelligence (together, "Content").

2.2 We are a publisher, not an adviser. 13F.AI is a publisher of general, impersonal financial information. We are not registered as an investment adviser, broker-dealer or financial planner, and we do not hold ourselves out as one. Nothing in the Service is investment, financial, legal, tax or accounting advice, and nothing in it is an offer, solicitation or recommendation to buy, sell or hold any security, contract or other instrument. The Content is not tailored to anyone's financial situation, objectives or risk tolerance.

2.3 You make your own decisions. You alone are responsible for your investment and trading decisions and their results. You should consult a licensed professional before acting on anything you see in the Service. We do not owe you any fiduciary duty, and using the Service does not create an adviser-client, broker-customer or other special relationship between you and us.

2.4 No trading through us. We do not execute trades, hold funds or securities, or manage accounts. Links to brokers, prediction markets or other third parties are provided for convenience only.

2.5 Changes to the Service. We may add, change, limit, suspend or discontinue any part of the Service, any dataset or any feature at any time, with or without notice. We may add, remove or change data sources, methodologies, coverage, update frequency and history. We are not liable to you for any such change.

2.6 Additional disclaimers. Our Disclaimers (13f.ai/disclaimer) page describes further limits on the Content, including data delays, errors, the nature of disclosed trading ranges, and the limits of backtests and AI-generated content. You agree to read it before relying on the Service.

3. Accounts

3.1 Registration. Some features require an account. You agree to give us accurate, current and complete information and to keep it updated. We may refuse any registration, username or email address in our discretion.

3.2 Security. You are responsible for keeping your password, sign-in links, API keys and access tokens confidential, and for everything that happens under your account or credentials, whether or not you authorized it. Tell us immediately at support@13f.ai if you suspect unauthorized use. We are not liable for any loss caused by someone else using your account or credentials.

3.3 One person per account. Each account, and every Subscription, sign-in link, API key, access token and AI-connector connection under it, is for one named individual. You may not share, sell, rent, lend or transfer any of them, or let anyone else use them, including colleagues, clients, family members or other staff of an organization, unless your plan expressly allows multiple users in writing. Making your account, keys or connector available to others through a shared login, a shared or team workspace in an AI assistant, or an application, bot or service that other people use counts as sharing. We may limit concurrent sessions, devices, connected applications and keys.

3.4 Our access. We may access your account and its data to provide support, maintain and secure the Service, investigate suspected violations of these Terms, and comply with law.

4. Subscriptions, Billing and Cancellation

4.1 Plans. We offer a free plan ("Basic") and a paid plan ("Premium"), and we may offer other plans for individuals in the future, such as a higher-priced Premium tier (together with Basic and Premium, "Individual Plans"). Every Individual Plan, free or paid, is licensed for personal, non-commercial use only, as described in Section 6. Paying for a plan, at any price, does not grant any commercial, display or redistribution rights; those require a Commercial License (Section 6.7). The features, limits, price and billing interval of each paid plan, including Premium (a "Subscription"), are described on our pricing page and at checkout. We may change what each plan includes at any time.

4.2 Automatic renewal. BY STARTING A PAID SUBSCRIPTION, YOU AUTHORIZE US AND OUR PAYMENT PROCESSOR (CURRENTLY STRIPE) TO CHARGE YOUR PAYMENT METHOD THE PRICE SHOWN AT CHECKOUT, PLUS APPLICABLE TAXES, AT THE START OF YOUR SUBSCRIPTION AND AUTOMATICALLY AT THE START OF EACH RENEWAL PERIOD (MONTHLY OR ANNUALLY, AS YOU SELECTED) UNTIL YOU CANCEL. Your Subscription renews for a period equal to your original billing interval at the then-current price unless you cancel before the renewal date. For annual Subscriptions, we will send a reminder before renewal as required by law.

4.3 Free trials. If your Subscription starts with a free trial, YOU WILL BE CHARGED AUTOMATICALLY WHEN THE TRIAL ENDS unless you cancel before then. The trial length is shown at checkout. Free trials are limited to one per person, household, payment method and device. To enforce this, we may use your payment card's fingerprint provided by Stripe and other signals, and we may refuse, end or charge for any trial we reasonably believe was obtained in violation of this limit.

4.4 Promotions. Promotional prices, discounts and promo codes apply only to the period stated in the offer. After that, your Subscription renews at the standard price then in effect. Promo codes have no cash value, cannot be combined unless stated, may not be sold or transferred, and may be withdrawn or modified at any time before they are redeemed. We may cancel any discount obtained through fraud, error or abuse.

4.5 Price changes. We may change Subscription prices at any time. A price change applies to your Subscription starting at your next renewal after we give you notice, which we will provide at least 7 days and no more than 30 days before the change takes effect (or as otherwise required by law). If you do not cancel before the new price takes effect, you agree to the new price.

4.6 How to cancel. You may cancel at any time online from your account's billing settings, with no need to call or email us. You may also email support@13f.ai. Cancellation takes effect at the end of your current paid period. You keep access until then, and you will not be charged again.

4.7 No refunds. ALL FEES ARE NON-REFUNDABLE, AND WE DO NOT PROVIDE REFUNDS OR CREDITS FOR PARTIAL PERIODS, UNUSED TIME, DOWNGRADES, UNUSED FEATURES, OR PERIODS IN WHICH YOU DID NOT USE THE SERVICE, except where a refund is required by applicable law. We may, in our sole discretion, issue a refund or credit in a particular case; doing so does not obligate us to do so again. If we terminate your account for convenience under Section 12.3, we will refund the unused portion of any prepaid fees.

4.8 Failed payments. If a charge fails, we may retry it, update your card details through your card network or Stripe's account updater, give you a short grace period, downgrade you to the free Basic plan, or suspend your access until payment is made. You remain responsible for all amounts due.

4.9 Taxes. Prices do not include taxes unless stated. You are responsible for all sales, use, value-added and similar taxes, other than taxes on our income.

4.10 Chargebacks. If you dispute a charge with your bank instead of contacting us first, we may suspend or terminate your account while the dispute is pending. If the dispute is resolved in our favor, you agree to pay the disputed amount and any fees we incurred.

4.11 App store purchases. If you subscribe through the Apple App Store or Google Play, that store's terms govern billing, renewal, cancellation and refunds, and you must cancel through the store. We cannot issue refunds for app store purchases.

4.12 Complimentary access. Free, complimentary or invitation-based access may be granted, limited or revoked by us at any time, ends on the date we specify, and does not convert to a paid Subscription without your consent.

5. API and MCP Access

5.1 Scope. This Section applies when you access the Service through our API, our Model Context Protocol ("MCP") server, CSV downloads, bulk data files, or any other programmatic or bulk interface (together, "Developer Access"), including through an AI assistant or other third-party application you connect to your account.

5.2 Credentials. Developer Access requires an API key or an authorization grant (for example, OAuth). Credentials are confidential and personal to you. You may not share them, embed them in public code or client-side applications, or use them to provide access to anyone else.

5.3 Limits. The rate limits, quotas, download limits and other usage limits that apply to your plan, as stated on our pricing page, in our developer documentation (13f.ai/developers) or in the responses themselves, are part of these Terms. We may set and change rate limits, quotas, endpoints, fields, history depth and other limits at any time. You may not try to exceed or circumvent them, including by using multiple accounts, keys, connections, IP addresses or proxies. We may throttle, suspend or revoke Developer Access that we believe is excessive, abusive or harmful to the Service.

5.4 Permitted use. Developer Access is part of your Individual Plan and is licensed on the same personal, non-commercial terms as the rest of the Service. Everything you receive through it, including API responses, MCP server output, answers an AI assistant gives you from that output, CSV downloads and bulk data files, is Content, and Sections 6.1 and 6.3 apply to it in full. Unless you have a Commercial License (Section 6.7), you may use it only for your own personal, non-commercial research and analysis. You may not sell, sublicense, redistribute, publish or display it to anyone else, feed it into any other product, service or database, or build a competing or substitute product or dataset from it, and you may not cache or store it longer than reasonably necessary for that personal use. Using Developer Access to power a website, app, bot, agent, newsletter, alert service or other tool that anyone other than you uses is redistribution, even if those people never see the underlying data.

5.5 Connected applications and AI assistants. If you connect a third-party application, such as an AI assistant, to the Service, you authorize us to share your account's data and Content with that application, and you instruct that application to act on your behalf. The third party's own terms and privacy policy govern how it handles that data. We do not control and are not responsible for third-party applications, including any summaries, analysis or statements an AI assistant generates from our data, which may be incomplete or wrong. You can revoke a connection at any time from your account settings.

5.6 Changes and deprecation. We may change, version, deprecate or discontinue any part of Developer Access at any time. We try to give reasonable notice of breaking changes but are not required to.

5.7 Attribution. Where Section 6.5 or a Commercial License allows you to show Content to others, you must credit "13F.ai" as the source, with a link to 13f.ai where the medium allows, as we reasonably direct, and you may not suggest that we endorse you or your product.

6. License, Restrictions and Ownership

6.1 Your license. Subject to these Terms and payment of any applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable license to access and use the Service and the Content, through the features of your plan, solely for your own personal, non-commercial purposes, such as your own research and decisions about your own personal investments. This license is the same for every Individual Plan, including Basic, Premium and any higher-priced individual tier. "Content" includes everything the Service delivers to you in any form, including web pages, tables, charts, scores, rankings, returns, summaries and other derived values, alerts and emails, CSV downloads, bulk data files, API responses, MCP server output and the answers an AI assistant gives you from that output, together with any copy, extract or work you derive from any of them. A use is commercial if it is made by, for or on behalf of a business, employer, client, fund or other organization, or in connection with any product, service, publication or activity that earns or is meant to earn revenue or other commercial advantage, whether or not you are paid for it. All rights not expressly granted are reserved.

6.2 Our ownership. The Service and the Content, including our software, databases, data compilations, selection and arrangement of data, normalization, entity matching, scores, rankings, derived datasets and values (such as returns, ratings, summaries and market capitalizations), text, graphics, logos and trademarks, are owned by 13F.AI or our licensors and are protected by copyright, database, trademark, trade secret and other laws. Underlying government records may be public, but our compilation, cleaning, normalization, matching, derived values and presentation of them are not, and they are what the license in Section 6.1 covers. See also Section 6.6.

6.3 Restrictions. Except as Section 6.5 expressly allows, or as a Commercial License signed by us expressly permits, you will not, and will not help or allow anyone else to:

6.4 Enforcement. You agree that a breach of Section 3.3, 5.4 or 6.3 would cause us irreparable harm that money damages could not fully remedy. We may seek injunctive or other equitable relief in court for such a breach, in addition to any other remedies, without posting a bond. Because damages from scraping, redistribution and unlicensed commercial use are hard to measure, you agree to pay, as liquidated damages and not as a penalty, the greater of (a) our actual damages, or (b) the list price of a 12-month commercial data license covering the Content you took or used, in addition to our reasonable attorneys' fees. We may also suspend or terminate your account under Section 12.2.

6.5 Quoting a few data points. You may quote a small number of individual data points (for example, one trade, one holding or a few figures) in your own non-commercial commentary, such as a personal social-media post or a comment in a discussion forum, if: (a) you credit "13F.ai" as the source with a link to 13f.ai where the medium allows; (b) you are not paid for the commentary and it is not made by or for a business, publication or fund; and (c) the quotation is not part of any systematic or repeated extraction and does not, alone or with other quotations, reproduce a substantial part of any dataset, page, table, ranking or feed. We may withdraw this permission for any person or use by notice.

6.6 Public sources. Many of the records behind the Content are public government filings. Nothing in these Terms limits your right to obtain those records directly from their official sources, such as the SEC's EDGAR system, the Clerk of the U.S. House of Representatives, the Secretary of the U.S. Senate or other government agencies, and to use them as those sources allow. These Terms govern what you obtain from or through the Service, even where it repeats public information.

6.7 Commercial licenses. Any use not allowed by Sections 6.1 and 6.5, including commercial or business use, use by or for an organization, public display, publication, redistribution, use in a product or service, and redistribution of API, MCP, CSV or bulk data, requires a separate written license agreement signed by us (a "Commercial License"). To ask about one, use 13f.ai/commercial. Buying or holding an Individual Plan does not grant a Commercial License, and nothing in an email, support message, marketing material or documentation grants one unless it is in a written agreement signed by us.

6.8 Third-party data. Some Content, such as market prices, market capitalizations and other market data, comes from third-party providers under licenses that restrict how it may be used. Those restrictions also apply to you, in addition to these Terms. Where we tell you of a specific restriction, on the page, in our documentation or in a response, you agree to follow it. A provider may stop supplying data at any time, and we may then remove it from the Service.

6.9 Monitoring and compliance. We may monitor and log use of the Service, including page views, downloads, API and MCP requests, connected applications, IP addresses and devices, to operate the Service and to check compliance with these Terms, as described in our Privacy Policy. We may mark Content we deliver to you, for example with account-specific identifiers in files or responses, so that copies can be traced to the account that obtained them. On request, you will promptly give us reasonable information to confirm that your use complies with these Terms.

7. Feedback and Submissions

7.1 Feedback. If you send us ideas, suggestions, bug reports, data corrections or other feedback ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid, sublicensable and transferable license to use, copy, modify, publish and commercialize it for any purpose, without compensation or attribution to you. We have no obligation to use Feedback or keep it confidential.

7.2 Your submissions. If you submit or upload anything to the Service, such as watchlists, notes, dashboard layouts or messages ("Submissions"), you keep whatever rights you have in them. You grant us a worldwide, royalty-free, sublicensable license to host, store, copy, process and display your Submissions to operate, secure and improve the Service, and to create aggregated or de-identified data from them that we may use for any purpose. You represent that you have the rights needed to grant this license and that your Submissions do not violate law or anyone's rights.

8. Third-Party Data, Services and Advertising

8.1 Third-party data. Much of the Content comes from government agencies, exchanges, data vendors and other third parties. We do not control those sources and are not responsible for their accuracy, completeness, timeliness or availability. Third-party data may be subject to additional terms, which you agree to follow when we tell you about them (Section 6.8).

8.2 Links and third-party services. The Service may link to or integrate with third-party websites, apps and services, including brokers, prediction markets, payment processors and AI assistants. We do not endorse them and are not responsible for their content, products, security or practices. Your dealings with them are solely between you and them.

8.3 Advertising and sponsorships. The Service may show advertisements, sponsored placements and affiliate links. We may be paid when you view or click them, sign up, or make a purchase. Advertisers are solely responsible for their ads and offers. Sponsored content is labeled, does not reflect our endorsement, and does not affect how we compile or display data.

8.4 Communications. By creating an account, you agree that we may send you service, billing, security and legal communications electronically, and that these satisfy any requirement that communications be in writing. We may also send alerts, digests and marketing email and push notifications as described in our Privacy Policy. You can turn off marketing messages, alerts and push notifications in your settings or through the unsubscribe link, but not service, billing or legal messages while you have an account.

9. Disclaimer of Warranties

9.1 THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS," "AS AVAILABLE" AND "WITH ALL FAULTS." TO THE FULLEST EXTENT PERMITTED BY LAW, 13F.AI AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS AND DATA PROVIDERS (THE "13F.AI PARTIES") DISCLAIM ALL WARRANTIES, CONDITIONS AND REPRESENTATIONS OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

9.2 WITHOUT LIMITING THE FOREGOING, THE 13F.AI PARTIES DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (B) ANY CONTENT, DATA, ALERT, SCORE, BACKTEST, SUMMARY OR AI-GENERATED OUTPUT IS ACCURATE, COMPLETE, CURRENT OR CORRECTLY MATCHED TO A COMPANY, SECURITY OR PERSON; (C) ALERTS OR NOTIFICATIONS WILL BE DELIVERED, OR DELIVERED ON TIME; (D) ANY RESULTS, RETURNS OR OUTCOMES WILL BE ACHIEVED BY USING THE SERVICE; OR (E) ANY ERRORS WILL BE CORRECTED.

9.3 YOU USE THE SERVICE AND RELY ON THE CONTENT AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ANY INFORMATION AGAINST ITS ORIGINAL SOURCE BEFORE ACTING ON IT, AND FOR ANY TRADING LOSSES, MISSED OPPORTUNITIES OR OTHER CONSEQUENCES OF YOUR DECISIONS.

9.4 SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN THOSE JURISDICTIONS, THE EXCLUSIONS ABOVE APPLY TO THE FULLEST EXTENT PERMITTED, AND ANY IMPLIED WARRANTY THAT CANNOT BE EXCLUDED IS LIMITED TO 30 DAYS FROM YOUR FIRST USE OF THE SERVICE.

10. Limitation of Liability

10.1 Excluded damages. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE 13F.AI PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, TRADING GAINS OR INVESTMENT VALUE, LOSS OF DATA OR GOODWILL, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICE OR THE CONTENT, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY (CONTRACT, TORT INCLUDING NEGLIGENCE, STRICT LIABILITY, STATUTE OR OTHERWISE), EVEN IF WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.2 Cap. TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF THE 13F.AI PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICE OR THE CONTENT WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE 3 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY U.S. DOLLARS ($50).

10.3 Basis of the bargain. These limitations apply even if a limited remedy fails of its essential purpose. They are an essential part of the bargain between you and us; we could not offer the Service at its current prices without them.

10.4 Exceptions. Nothing in these Terms limits liability that cannot be limited under applicable law, such as liability for fraud or for gross negligence or willful misconduct where the law does not permit it to be limited.

10.5 Time limit for claims. TO THE FULLEST EXTENT PERMITTED BY LAW, ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE MUST BE BROUGHT WITHIN ONE (1) YEAR AFTER THE CLAIM AROSE, OR IT IS PERMANENTLY BARRED.

11. Indemnification

You will defend, indemnify and hold harmless the 13F.AI Parties from and against all claims, demands, suits, losses, liabilities, damages, judgments, fines, penalties, costs and expenses, including reasonable attorneys' fees, arising out of or relating to: (a) your use or misuse of the Service or Content; (b) your Submissions; (c) your breach of these Terms; (d) your violation of any law or the rights of any third party; (e) any investment, trading or other decision you make; or (f) any application, product or service you build with, or connect to, the Service. We may control the defense of any matter subject to indemnification at your expense, and you will cooperate with us. You may not settle any such matter without our prior written consent.

12. Suspension and Termination

12.1 By you. You may stop using the Service and close your account at any time. Closing your account does not entitle you to a refund except as stated in Section 4.7.

12.2 By us for cause. We may suspend, limit or terminate your account, Subscription or Developer Access, and revoke any API key, access token or connected application, immediately and without notice or refund, if we believe you have violated these Terms (including the personal-use license and restrictions in Sections 3.3, 5.4 and 6), created risk or possible legal exposure for us, engaged in fraud, chargebacks or trial abuse, or if required by law. We may also block accounts, devices, networks or applications that we reasonably believe are being used to breach these Terms. A termination for cause does not entitle you to a refund of any fees, including prepaid fees for the rest of a billing period, and you remain responsible for all amounts owed.

12.3 By us for convenience. We may also terminate your account or discontinue the Service for any reason by giving you notice. In that case we will refund any prepaid fees for the unused part of your paid period.

12.4 Effect. When your account ends, your license ends and you must stop using the Service and Content and delete any Content you stored, including downloads, bulk files and cached API or MCP output. We may delete your account data, subject to our Privacy Policy and legal obligations, and we have no duty to keep or export it. Sections 2.2, 2.3, 4.7, 4.10, 5.4, 6 through 11, 12.4, 13 and 14, and any other provisions that by their nature should survive, survive termination.

13. Dispute Resolution: Binding Arbitration and Class Action Waiver

13.1 Informal resolution first. Before starting an arbitration or court case, you and we each agree to try to resolve any dispute informally. The party with a claim must send a written notice to the other (for us, to legal@13f.ai and our mailing address in Section 14; for you, to the email on your account) describing the claim, the relief sought, and the claimant's name, account email and signature. Within 60 days after notice is received, the parties will hold a good-faith, individual settlement conference by phone or video, which you must personally attend (your lawyer may join). Neither party may start an arbitration until this process is complete. Statutes of limitation are paused while it is pending. A court may enforce this Section and may dismiss or stay any proceeding started without completing it.

13.2 Agreement to arbitrate. EXCEPT AS PROVIDED IN SECTION 13.3, YOU AND 13F.AI AGREE THAT ANY DISPUTE, CLAIM OR CONTROVERSY ARISING OUT OF OR RELATING IN ANY WAY TO THESE TERMS, THE SERVICE, THE CONTENT, ANY SUBSCRIPTION, OR OUR RELATIONSHIP (EACH A "DISPUTE"), WHETHER BASED ON CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION OR ANY OTHER LEGAL THEORY, AND WHETHER IT AROSE BEFORE OR AFTER YOU AGREED TO THESE TERMS, WILL BE RESOLVED EXCLUSIVELY BY FINAL AND BINDING INDIVIDUAL ARBITRATION. The arbitrator, and not any court, has exclusive authority to decide all issues about the interpretation, applicability, enforceability, scope and formation of this arbitration agreement, except as provided in Sections 13.6 and 13.8. This agreement is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.

13.3 Exceptions. Either party may (a) bring an individual claim in small claims court in Bernalillo County, New Mexico, or in the county where you live, if it qualifies and stays there on an individual basis; and (b) bring a claim in court for injunctive or other equitable relief to stop infringement, misappropriation or misuse of intellectual property, data or the Service, including any breach of Section 3.3, 5.4 or 6.3.

13.4 Rules and fees. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (and, where applicable, its Mass Arbitration Supplementary Rules), as modified by this Section, available at adr.org. Payment of filing, administrative and arbitrator fees will be governed by the AAA's fee schedule. Each party bears its own attorneys' fees and costs unless the arbitrator awards them under applicable law or finds that a claim or defense was frivolous or brought for an improper purpose, in which case the arbitrator may order the responsible party to pay the other's fees and costs.

13.5 Procedure. The arbitration will be conducted by a single arbitrator. For claims of $25,000 or less, it will be decided on written submissions unless the arbitrator requires a hearing. Any hearing will be by video conference unless the arbitrator decides an in-person hearing is needed, in which case it will be held in Albuquerque, New Mexico, or another location the parties agree on. The arbitrator may award relief only to the individual claimant and only to the extent needed to resolve that claimant's individual claim. The award is final and binding, and judgment on it may be entered in any court with jurisdiction. An award has no preclusive effect in any other arbitration or case.

13.6 Class action and jury trial waiver. YOU AND 13F.AI EACH AGREE THAT A DISPUTE MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL PROCEEDING. The arbitrator may not consolidate claims of more than one person or preside over any form of class or representative proceeding, except as provided in Section 13.7. YOU AND 13F.AI EACH WAIVE THE RIGHT TO A JURY TRIAL. Only a court, and not an arbitrator, may decide disputes about the validity or enforceability of this Section 13.6.

13.7 Mass filings. If 25 or more similar demands for arbitration are filed against us by or with the help of the same or coordinated counsel or organizations ("Mass Filing"), then: (a) the AAA Mass Arbitration Supplementary Rules apply; (b) the demands will be administered in batches of up to 50, with only one batch proceeding at a time, and each batch decided by a single arbitrator in a single proceeding with one set of fees; (c) the next batch will not be filed or assessed fees until the earlier batch is resolved, unless the parties agree otherwise; and (d) statutes of limitation are paused for claims awaiting their batch. A court may enforce this Section, including by enjoining the filing or prosecution of demands or the assessment of fees that do not comply with it.

13.8 Severability. If any part of this Section 13 is found unenforceable as to a claim, that part will be severed and the rest will still apply. If Section 13.6 is found unenforceable as to any claim for class, collective or public injunctive relief, that claim will be severed and stayed in court until the individual claims are decided in arbitration, and it will then be decided only by a state or federal court in Bernalillo County, New Mexico.

13.9 30-day right to opt out. YOU MAY OPT OUT OF THIS AGREEMENT TO ARBITRATE by emailing legal@13f.ai from your account email, with the subject "Arbitration Opt-Out," within 30 days after you first accept these Terms. Your notice must include your name and account email and say that you opt out of arbitration. Opting out does not affect any other part of these Terms, including Section 13.10. If you opt out, we will not be bound by this arbitration agreement as to you either.

13.10 Governing law and venue. These Terms and any Dispute are governed by the laws of the State of New Mexico, without regard to its conflict-of-laws rules, and, as to arbitration, by the Federal Arbitration Act. For any matter not subject to arbitration, you and we consent to the exclusive jurisdiction and venue of the state and federal courts located in Bernalillo County, New Mexico, and waive any objection based on inconvenient forum. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

13.11 Changes to this Section. If we make a material change to this Section 13, we will give you at least 30 days' notice. The change will not apply to any Dispute of which we had written notice before the change took effect. If you reject a change by emailing legal@13f.ai within 30 days after it takes effect, the version of this Section in effect immediately before the change will continue to govern your Disputes, but your use of the Service may be terminated.

14. General

14.1 Entire agreement. These Terms, together with the documents referenced in Section 1.3, are the entire agreement between you and us about the Service and supersede all prior agreements and understandings.

14.2 Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms, in whole or in part, without your consent, including to an affiliate or in connection with a merger, acquisition, reorganization or sale of assets.

14.3 Severability and waiver. If any provision is held unenforceable, it will be enforced to the maximum extent permitted and the rest of these Terms will remain in effect. Our failure to enforce any right is not a waiver of it.

14.4 Force majeure. We are not liable for any delay or failure caused by events beyond our reasonable control, including outages of hosting, data or payment providers, government data delays or shutdowns, internet failures, cyberattacks, labor disputes, natural disasters, pandemics, war or acts of government.

14.5 Relationship. Nothing in these Terms creates a partnership, joint venture, agency, fiduciary or employment relationship. There are no third-party beneficiaries, except that the 13F.AI Parties may enforce Sections 9 through 11.

14.6 Interpretation. Headings are for convenience only. "Including" means "including without limitation." These Terms will not be construed against the drafter.

14.7 Export and sanctions. You will comply with all U.S. export control and sanctions laws in using the Service.

14.8 California users. Under California Civil Code § 1789.3, California users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.

14.9 Notices and contact. We may give you notice by email to your account address, by in-app message or by posting on the Service. Notice to us must be sent to:

13F.AI LLC, c/o Registered Agents Inc., 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110

Support: support@13f.ai · Legal notices: legal@13f.ai