Terms of Service

1. Service Description

Minno SEC provides:

• Access to SEC EDGAR filings
• Advanced search and filtering capabilities
• Watchlist and alert functionality
• AI-powered filing summaries
• Educational institution discounts

2. Account Terms

2.1 Authentication

• Accounts are managed through AWS Cognito
• Support for Google and Microsoft federation
• One account per email address
• Responsibility for maintaining account security

2.2 Educational Access

• Verification required for .edu discounts
• Annual re-verification may be required
• Institutional use policies apply

3. Usage Terms

• Fair use of the API and search functionality
• No automated scraping without permission
• Respect rate limits and access controls
• No redistribution of filing data or AI summaries

4. Subscription & Billing

• Subscription management through Stripe
• Automatic renewal unless cancelled
• Pro-rated refunds for annual plans
• Special terms for educational access

5. Disclaimers

• Filing data provided "as-is" from SEC EDGAR
• AI summaries are for reference only
• No financial advice provided
• Service availability targets of 99.9%

6. Contact Information

For legal inquiries:

• Email: dev@minnosec.com
• Response Time: Within 2 business days