Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Tower Software (doing business as SEC Blast) ("SEC Blast," "we," "our," or "us") regarding your use of our SaaS platform and services (collectively, the "Services") available at www.secblast.com.

By accessing, using, or registering for our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you must discontinue use of our Services immediately.

2. Service Description and Scope

SEC Blast provides a comprehensive SEC filing analysis platform designed for investment professionals, researchers, and developers. Our Services include:

• Fast Filing Lookup: Millisecond searches through historical and real-time SEC documents
• Custom Email Alerts: Instant notifications when tracked companies file new documents
• PDF Access & Document Management: Download and access original SEC filings
• Collaboration Features: Team-based analysis with shareable links and highlighting capabilities
• Full-Text Search: Search within document content beyond metadata
• Market Impact Analysis: Historical stock price data integrated with filing information
• API Access: RESTful API for developer integration and enterprise applications

We maintain a 99.9% uptime guarantee and provide sub-second response times for our core search functionality. Service specifications, features, and availability may change at our discretion with appropriate notice.

3. License and Access Rights

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your internal business purposes. This license does not include any right to:

• Resell, redistribute, or sublicense our Services
• Reverse engineer, decompile, or disassemble our software
• Create derivative works based on our Services
• Remove or modify any proprietary notices or labels
• Use our Services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or networks

All rights not expressly granted to you are reserved by SEC Blast, any of its successors, and its licensors.

4. User Accounts and Registration

To access certain features of our Services, you must create an account and provide accurate, complete, and current information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your account information remains accurate and up-to-date

You must be at least 18 years old to create an account. If you are using our Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

5. Acceptable Use Policy

You agree not to use our Services to:

• Violate any applicable laws, regulations, or third-party rights
• Transmit viruses, malware, or other harmful code
• Spam, harass, or abuse other users or our systems
• Attempt to overwhelm our infrastructure with excessive requests
• Interfere with or disrupt our Services or servers
• Access data or accounts that you are not authorized to access
• Infringe upon intellectual property rights
• Engage in any fraudulent or deceptive practices

We reserve the right to investigate and take appropriate action against users who violate this Acceptable Use Policy, including but not limited to account suspension or termination.

6. Subscription Terms and Auto-Renewal

6.1 Subscription Plans and Billing

We offer both free and paid subscription plans. The services offered to free accounts are subject to change at any time at our sole discretion. Paid subscriptions provide enhanced access, and additional features as specified in your chosen plan.

By subscribing to a paid plan, you authorize us to charge your designated payment method for all applicable fees. All fees are non-refundable except as specifically provided in these Terms or required by law.

6.2 Auto-Renewal and Cancellation

Cancellation: You may cancel your subscription at any time through your account settings or by contacting us at support@secblast.com. Cancellation will take effect at the end of your current billing period. If you cancel your subscription, you will have access to your account until the end of your current billing period. No partial refunds will be provided for any reason except at the sole discretion of SEC Blast.

6.3 Renewal Notices and Grace Period

We will send renewal notices via email to your registered email address prior to the renewal date.

7. Data Ownership and Intellectual Property

7.1 Your Data

You retain ownership of all data, content, and information you upload, submit, or store through our Services ("User Data"). By using our Services, you grant us a non-exclusive, worldwide, royalty-free license to use, process, and store your User Data solely for the purpose of providing and improving our Services.

7.2 Our Intellectual Property

SEC Blast, its successors, and its licensors own all rights, title, and interest in and to the Services, including all software, algorithms, proprietary technology, trademarks, and copyrights. This includes all improvements, modifications, and derivative works created by us.

7.3 SEC Data and Third-Party Content

SEC filings and related data are public domain information. Our value-added processing, analysis, and presentation of this data is proprietary. Stock price and market data may be subject to third-party licensing terms and usage restrictions.

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

We implement appropriate technical and organizational security measures to protect your data.

9. Service Availability and Support

We strive to maintain 99.9% uptime for our Services, but we do not guarantee uninterrupted availability. We may perform scheduled maintenance, updates, or emergency repairs that temporarily affect service availability.

Support is provided via email at support@secblast.com during normal business hours (Monday-Friday, 9 AM - 5 PM EST). We aim to respond to support inquiries within 24 hours.

Additional support and training available on a case by case basis.

10. Disclaimers and Limitation of Liability

10.1 Service Disclaimers

We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our Services will be error-free, secure, or continuously available.

10.2 Limitation of Liability

To the maximum extent permitted by law, our total liability to you for all claims arising from or relating to these Terms or our Services shall not exceed the total amount you paid us in the twelve (12) months preceding the claim.

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so some of the above limitations may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless SEC Blast, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising from:

• Your use or misuse of our Services
• Your violation of these Terms or any applicable law
• Your User Data or any content you submit through our Services
• Your violation of any third-party rights

This indemnification obligation will survive termination of these Terms and your use of our Services.

12. Termination

12.1 Termination by You

You may terminate your account at any time through your account settings or by contacting us. Termination will be effective at the end of your current billing period for paid subscriptions.

12.2 Termination by Us

We may terminate or suspend your account immediately for:

• Material breach of these Terms
• Violation of our Acceptable Use Policy
• Non-payment of fees
• Security concerns or illegal activity
• Extended period of inactivity (12+ months)
• Any other reason at our sole discretion

12.3 Effects of Termination

Upon termination:

• Your access to our Services will cease immediately
• You have 30 days to retrieve your User Data
• We may delete your account and data after the retrieval period
• Outstanding payment obligations remain due
• Certain provisions of these Terms will survive termination

13. Dispute Resolution and Arbitration

13.1 Mandatory Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or our Services shall be resolved through binding individual arbitration rather than in court, except as otherwise provided below.

Arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration will take place in New York, New York or through online proceedings at the arbitrator's discretion.

13.2 Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and SEC Blast individually. You waive any right to participate in class action lawsuits or class-wide arbitrations.

13.3 Exceptions to Arbitration

The following disputes are not subject to arbitration:

• Intellectual property infringement claims
• Small claims court proceedings
• Injunctive relief for violations of our intellectual property rights

13.4 Governing Law

These Terms are governed by the laws of the State of New York, without regard to its conflict of law principles. Any arbitration or legal proceeding shall take place in New York, New York.

14. DMCA and Copyright Policy

We respect intellectual property rights and comply with the Digital Millennium Copyright Act (DMCA). If you believe that content on our Services infringes your copyright, please provide our designated agent with:

• A description of the copyrighted work you claim has been infringed
• A description of where the allegedly infringing material is located
• Your contact information
• A statement of good faith belief that the use is not authorized
• A statement that the information is accurate and you are authorized to act
• Your physical or electronic signature

Send DMCA notices to: support@secblast.com

15. Modifications to Terms

We may modify these Terms from time to time to reflect changes in our Services, legal requirements, or business practices. We will notify you of material changes by any of the following methods:

• Posting updated Terms on our website
• Sending email notification to your registered email address
• Displaying prominent notice on our Services

Changes will become effective 30 days after notification, except for changes required by law, which may be effective immediately. Your continued use of our Services after changes become effective constitutes acceptance of the updated Terms.

If you do not agree to the updated Terms, you must discontinue use of our Services.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional terms for specific Services, constitute the entire agreement between you and SEC Blast.

16.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

16.3 Assignment

You may not assign these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

16.4 Force Majeure

We are not liable for any failure to perform due to causes beyond our reasonable control, including natural disasters, war, terrorism, strikes, or government actions.

16.5 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce such provision in the future.

17. Contact Information

If you have questions about these Terms of Service, please contact us at:

Response Time: We will respond to your inquiries within 48 hours of receipt during normal business days.