Terms of use.

1. Acceptance & eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding contract to use the Site. By accessing or using the Site, you represent that you meet these requirements and that your use of the Site complies with all applicable laws and regulations. If you are using the Site on behalf of an organization, you represent that you have authority to bind that organization to these Terms, and “you” refers to both you and that organization.

2. Changes to these Terms

We may revise these Terms at any time by posting an updated version on the Site and updating the effective date above. For material changes, including changes to fees, we will use reasonable efforts to provide advance notice (for example, by email or an in-product notice). Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms. If you do not agree to a change, your sole remedy is to stop using the Site and, if applicable, cancel any paid subscription.

3. Account registration & security

Some features require an account. You agree to provide accurate, current, and complete information when registering and to keep that information up to date. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Do not share your account, create multiple accounts to evade limits or bans, or impersonate any person or entity. Notify us promptly at [email protected] if you suspect any unauthorized access. We are not liable for losses arising from your failure to safeguard your credentials.

4. Subscriptions, fees & billing

Certain features of the Site (“Pro” or paid tiers) are available only with a paid subscription. Current pricing and included features are described on our Pricing page. By starting a paid subscription, you authorize us and our payment processor (Stripe) to charge your designated payment method for the applicable fees, plus any taxes.

• Auto-renewal. Subscriptions automatically renew at the end of each billing period at the then-current rate until cancelled.
• Cancellation. You may cancel at any time from your account settings or by contacting us. Cancellation takes effect at the end of the current paid period; you retain access until then.
• No refunds. Except where required by law, all fees are non-refundable. We do not provide refunds or credits for partial billing periods, unused time, or features you did not use.
• Price changes. We may change subscription fees. We will give reasonable advance notice of price increases, which take effect on your next renewal. If you do not accept the new price, you may cancel before the renewal.
• Failed payment. If a charge fails, we may suspend or downgrade your access until payment is current.
• Taxes. You are responsible for any sales, use, VAT, or similar taxes associated with your subscription, other than taxes on our net income.

5. Permitted use & restrictions

You agree not to:

• use the Site for any unlawful purpose or in violation of these Terms;
• attempt to gain unauthorized access to any portion of the Site, related systems, or other users’ accounts;
• interfere with, disrupt, or impose an unreasonable load on the Site or its infrastructure;
• introduce malware, scripts, or other harmful code;
• scrape, crawl, harvest, or mass-extract content from the Site except via interfaces we expressly provide;
• use the Site or its outputs to train, fine-tune, or evaluate any machine-learning model without our prior written consent;
• infringe any intellectual property right or remove any copyright, trademark, or other proprietary notice;
• use the Site to transmit spam, phishing, fraudulent, or misleading content.

6. Intellectual property

All content, features, and functionality on the Site — including text, scores, rationales, reports, graphics, logos, layouts, and software — are owned by Costa Consulting Group, LLC (DBA Lexora Labs) or its licensors and are protected by copyright, trademark, and other intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal or internal business purposes only. No other use is permitted without our prior written consent. All rights not expressly granted are reserved.

7. Feedback

If you send us feedback, suggestions, or ideas about the Site (“Feedback”), you grant us a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, modify, and incorporate the Feedback for any purpose, without attribution or compensation. Feedback is provided voluntarily and is not confidential. The Site does not solicit or accept user-generated content for public posting.

8. Third-party links, sources & content

The Site links to and references third-party sites, sources, and services, including Google News, SEC filings, and other public material. We do not control, endorse, or assume responsibility for the content, policies, or practices of any third party. Headlines, excerpts, and source links are provided for identification and reference; rights in third-party content remain with their respective owners. Your use of third-party sites and services is at your own risk and subject to their terms.

9. Informational nature of scores; no advice

Scores, rationales, reports, and other outputs on the Site are generated in part by automated systems and large language models applied to publicly available news and documents. They are provided for general informational and editorial purposes only.

Nothing on the Site is, or should be construed as, investment, financial, legal, tax, accounting, or other professional advice, a recommendation to buy, sell, or hold any security or asset, or a prediction or guarantee of any future event or outcome. We are not your broker, advisor, fiduciary, or agent, and no fiduciary or advisory relationship is created by your use of the Site. Outputs may be incomplete, inaccurate, biased, or out of date. You are solely responsible for any decisions you make and should consult qualified professionals before acting on any information from the Site.

10. Disclaimers & no warranty

The Site is provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or uninterrupted availability. We do not warrant that the Site will be error-free, secure, or free from harmful components. See our Disclaimer for additional terms.

11. Limitation of liability

To the maximum extent permitted by law, Costa Consulting Group, LLC, Lexora Labs, Underground Commerce, and their affiliates, officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising from or related to your use of the Site, even if advised of the possibility of such damages. Our aggregate liability arising from or related to the Site will not exceed the greater of (a) the amounts you paid us for access to the Site in the twelve months preceding the claim, or (b) one hundred U.S. dollars (USD $100). Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless Costa Consulting Group, LLC, Lexora Labs, and their affiliates, officers, employees, and contractors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from or related to your use of the Site, your violation of these Terms, or your violation of any rights of another.

13. Termination & suspension

We may suspend or terminate your access to the Site, in whole or in part, at any time and for any reason, including violation of these Terms, with or without notice. Upon termination, your right to use the Site ceases immediately. Sections that by their nature should survive termination (including IP, disclaimers, limitation of liability, indemnification, and dispute resolution) will survive.

14. Disclosure & legal compliance

We may access, preserve, and disclose information about you and your use of the Site when we believe in good faith that doing so is necessary to comply with applicable law, legal process, or governmental request; to enforce these Terms; to detect, prevent, or address fraud, security, or technical issues; or to protect the rights, property, or safety of us, our users, or the public.

15. DMCA / copyright complaints

We respect the intellectual-property rights of others. If you believe content on the Site infringes your copyright, send a written notice to our designated agent at [email protected] including:

• identification of the copyrighted work claimed to be infringed;
• identification of the material on the Site that is claimed to be infringing, with sufficient detail (such as a URL) to allow us to locate it;
• your contact information (name, address, telephone, email);
• a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law;
• a statement, under penalty of perjury, that the information in the notice is accurate and that you are the owner or are authorized to act on the owner’s behalf;
• your physical or electronic signature.

If you believe content you posted or that concerns you was removed in error, you may send a counter-notice to the same address with the equivalent statutory elements. We will terminate the accounts of repeat infringers in appropriate circumstances.

16. Dispute resolution; binding arbitration; class-action waiver

Please read carefully. This section requires you and us to resolve disputes through binding individual arbitration and waives your right to a jury trial and to participate in class actions, except as set forth below.

Informal resolution. Before filing any claim, you agree to first contact us at [email protected] with a written description of the dispute and the relief you seek, and to negotiate in good faith for at least thirty (30) days. The same obligation applies to us.

Binding arbitration. If the dispute is not resolved informally, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Site will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures then in effect. The arbitration will be seated in San Mateo County, California, or another location mutually agreed by the parties in writing. The arbitrator’s award is final and may be entered in any court of competent jurisdiction.

Carve-outs. Either party may bring an individual action in small-claims court for disputes within that court’s jurisdiction. Either party may also seek temporary or preliminary injunctive or other equitable relief in court for actual or threatened infringement, misappropriation, or violation of intellectual-property rights, unauthorized access to systems, or breach of confidentiality.

Class-action waiver. You and we agree that disputes will be resolved on an individual basis only. No class, collective, consolidated, representative, or private-attorney-general action is permitted, and the arbitrator has no authority to consolidate claims or to preside over any form of representative proceeding.

Jury-trial waiver. If for any reason a dispute proceeds in court rather than arbitration, you and we each waive any right to a jury trial.

30-day opt-out. You may opt out of this arbitration agreement by emailing [email protected] within thirty (30) days of first accepting these Terms, with your name and a clear statement that you are opting out of arbitration. Opting out will not affect any other provision of these Terms.

Governing law. These Terms and any dispute arising out of or relating to them or the Site are governed by the laws of the State of California, without regard to its conflict-of-laws rules. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision.

Forum for non-arbitrable matters. For any dispute not subject to arbitration (including the carve-outs above and any matter where the arbitration agreement is held unenforceable), the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in San Mateo County, California.

Severability. If the class-action waiver is held unenforceable as to a particular claim or remedy, that claim or remedy will proceed in court rather than arbitration, while all other claims will remain in arbitration. If any other portion of this section is held unenforceable, the remainder will remain in full force.

17. Conflict with custom agreements

If you have a separate written agreement with us covering the same subject matter, that agreement controls to the extent it conflicts with these Terms.

18. Severability, waiver, entire agreement, assignment

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver of that or any other provision. These Terms, together with the Disclaimer and Privacy Policy, constitute the entire agreement between you and us regarding the Site and supersede any prior agreements on the same subject. We may assign these Terms, in whole or in part, at any time without notice. You may not assign these Terms without our prior written consent, and any attempted assignment in violation of this section is void.

19. Contact

Questions about these Terms can be sent to [email protected].