Terms of Service

1. Acceptance of Terms

By accessing or using EquityDive (equitydive.ai), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, do not use the service.

You must be at least 18 years of age to use EquityDive. By using the service, you represent and warrant that you are at least 18 years old. EquityDive is not intended for use by minors.

2. Service Description

EquityDive provides AI-generated investment research reports for US public companies, leveraging multiple AI models and a combination of direct SEC filing data and reputable third-party financial data sources.

3. Investment Disclaimer

4. User Accounts

You must provide a valid email address to create an account. You are responsible for maintaining the security of your password and account. One account per person — creating multiple accounts to abuse promotional credits or free offers is strictly prohibited and will result in termination of all associated accounts. EquityDive reserves the right to withhold or revoke promotional credits if abuse is suspected.

Accounts that have been inactive for 12 or more months may be deleted along with associated data. We will attempt to notify you via email before any deletion.

5. Credits & Payments

EquityDive operates on a credit-based system where 1 credit equals 1 comprehensive AI-generated report. Credits can be purchased via Stripe (credit/debit cards) or Bitcoin (Lightning or on-chain via BTCPay Server). Credits are non-refundable except where required by applicable law, as they are delivered instantly as a digital good. If a technical issue on our end prevents a report from being generated after a credit is consumed, contact support@equitydive.ai and we will reissue the credit. Free credits may be offered at our discretion. Pricing is subject to change with notice.

6. Report Ownership & Sharing

When you purchase and generate a report, you are granted a broad, perpetual, non-exclusive license to use that report for any personal or professional purpose, including personal research, client presentations, internal memos, and educational use.

If you share direct screenshots, excerpts, or verbatim content from your reports publicly (on social media, blogs, articles, newsletters, etc.), we kindly ask that you include a brief attribution to “EquityDive” or “equitydive.ai.” This helps others discover great investment research and supports the EquityDive community.

PDF exports already include automatic attribution via a branded footer, so sharing PDFs requires no extra effort on your part.

The following restrictions apply:

• Commercial redistribution or resale of reports (e.g., repackaging reports for sale to third parties) is not permitted.
• Due to the nature of AI generation, similar analysis may be produced for other users researching the same company.

The EquityDive platform, its underlying AI methodology, data pipelines, and report templates remain the intellectual property of EquityDive. This license applies to the generated report content only.

7. Acceptable Use

You agree not to:

• Use automated tools to scrape or bulk-generate reports
• Resell or redistribute reports commercially
• Attempt to circumvent payment or credit systems
• Use the service for market manipulation or any illegal purpose
• Reverse-engineer or extract source code from the platform

8. Intellectual Property

The EquityDive platform, codebase, design, branding, and proprietary data methodology are the intellectual property of EquityDive. Nothing in these terms grants you rights to use our trademarks, logos, or other brand elements. User-generated report content is licensed to you under the terms described in Section 6 above.

9. Accuracy & Limitations

See Section 3 for important disclosures regarding the accuracy and limitations of AI-generated content and financial data. You should review and validate all report content independently before relying on it.

10. Limitation of Liability

The service is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event shall EquityDive, its owner, operators, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of investment value, loss of data, or loss of business opportunity, regardless of the cause of action or theory of liability, even if EquityDive has been advised of the possibility of such damages.

Without limiting the foregoing, EquityDive is not liable for:

• Investment decisions made based on reports
• AI model errors or financial data inaccuracies
• Service interruptions or downtime
• Third-party service failures (including AI providers, payment processors, or data sources)

To the fullest extent permitted by law, EquityDive's total aggregate liability for any and all claims arising out of or related to the service is limited to the amount you actually paid for credits in the 12 months preceding the event giving rise to the claim.

11. Service Discontinuation

If we discontinue EquityDive, we will provide advance notice and make reasonable efforts to allow you to use remaining credits or provide refunds for unused purchased credits.

12. Dispute Resolution

If a dispute arises, please contact us first at support@equitydive.ai. We will attempt to resolve the matter informally within 30 days.

If the dispute cannot be resolved informally, you agree that it will be resolved through binding individual arbitration administered under the rules of the American Arbitration Association (AAA). Arbitration will take place in the State of New Jersey.

Class Action Waiver: You agree that any dispute resolution proceedings will be conducted on an individual basis only, and not as part of a class, consolidated, or representative action. You waive the right to participate in a class action lawsuit or class-wide arbitration against EquityDive.

If any part of this arbitration or class action waiver provision is found unenforceable, the remainder shall still apply.

13. Account Termination

We reserve the right to suspend or terminate accounts that violate these terms, without prior notice where necessary.

14. Indemnification

You agree to indemnify, defend, and hold harmless EquityDive, its owner, operators, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorney's fees) arising out of or related to:

• Your use of the service or any reports generated through it
• Your violation of these Terms of Service
• Your violation of any applicable law or regulation
• Any third-party claim arising from your redistribution or sharing of report content
• Any investment decisions you make based on information obtained through the service

15. Governing Law & Jurisdiction

These terms are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of laws provisions. Any disputes not resolved through the arbitration process described in Section 12 shall be subject to the exclusive jurisdiction of the state and federal courts located in the State of New Jersey. You consent to the personal jurisdiction of such courts.

16. Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.

17. Entire Agreement

These Terms of Service, together with the Privacy Policy, constitute the entire agreement between you and EquityDive regarding your use of the service. They supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written, relating to the subject matter herein. No statement made in marketing materials, social media, blog posts, or other communications shall be construed as modifying or supplementing these terms.

18. Changes to Terms

We may update these terms from time to time. For material changes, we will notify you via email at least 30 days before the changes take effect. Continued use of EquityDive after changes take effect constitutes acceptance of the updated terms. Non-material changes (such as formatting corrections or clarifications that do not affect your rights) may be made without advance notice.

19. Contact

Questions about these terms? Email support@equitydive.ai.