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Last Updated: September 21, 2025
These Terms & Conditions (“Terms”) govern your use of the Factou (“Company,” “we,” “us,” or “our”) software platform and services (the “Service”). By subscribing to or using the Service, you (“User,” “you,” or “your”) agree to be bound by these Terms. If you do not agree, you may not access or use the Service.
1.1 The Service provides algorithmically generated reports on publicly traded companies (“Reports”), which include both qualitative and quantitative information derived from regulatory filings, publicly available data, and proprietary analytical models.
1.2 The Reports may contain summaries and interpretations produced by large language models (“LLMs”).
1.3 The Reports may also include estimated intrinsic valuations based on discounted cash flow (“DCF”), dividend discount (“DD”), or other models, which rely on financial projections generated by machine learning algorithms.
1.4 The Reports are provided for informational and educational purposes only and do not constitute financial, investment, legal, accounting, tax, or other professional advice. You should not rely on the Reports as the sole basis for making investment or other financial decisions. Always seek advice from a qualified professional before making financial decisions.
2.1 Access to the Service is provided through subscription plans that differ only in the number of distinct Reports a User may access within a given subscription period.
2.2 Subscription fees are billed in advance and are non-refundable except as required by applicable law.
2.3 We reserve the right to change subscription pricing or plan features at any time, with reasonable notice to Users.
3.1 While we strive to ensure that the data presented is accurate and reliable, the Reports are produced using data from third-party sources, including SEC filings and other publicly available information, which may contain errors, omissions, or inaccuracies.
3.2 Due to the nature of automated data collection, processing, and interpretation, Reports may on rare occasions contain:
3.3 You acknowledge and agree that we do not guarantee the accuracy, completeness, reliability, or timeliness of any Report or information provided through the Service.
4.1 You are solely responsible for evaluating the information provided by the Service and for any investment or financial decisions you make based on such information.
4.2 You agree not to use the Service for unlawful purposes, to resell or redistribute Reports without authorization, or to exploit the Service in a manner that could harm our business, systems, or other Users.
5.1 All content provided by the Service, including Reports, algorithms, software, and designs, is the intellectual property of [Company Name] or its licensors and is protected under applicable intellectual property laws.
5.2 You are granted a limited, non-exclusive, non-transferable license to access and use the Service solely for your personal, non-commercial use.
5.3 You may not copy, modify, distribute, or create derivative works from the Reports or the Service without our prior written consent.
6.1 To the fullest extent permitted by law, [Company Name], its affiliates, officers, directors, employees, contractors, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to:
arising from or in connection with your use of the Service, reliance on the Reports, or inability to access the Service, even if we have been advised of the possibility of such damages.
6.2 Our total liability to you for any claim arising out of or relating to the Service shall not exceed the greater of:
(a) the total subscription fees paid by you to us in the twelve (12) months preceding the event giving rise to the claim; or
(b) $100 USD.
7.1 The Service and Reports are provided “as is” and “as available” without warranties of any kind, whether express or implied.
7.2 We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, accuracy, reliability, availability, non-infringement, or that the Service will be uninterrupted, error-free, or free of harmful components.
You agree to indemnify, defend, and hold harmless [Company Name], its affiliates, officers, directors, employees, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Service, your violation of these Terms, or your reliance on the Reports.
We may suspend or terminate your access to the Service at any time, with or without cause, and without liability. Upon termination, your right to access and use the Service ceases immediately.
10.1 These Terms shall be governed by and construed in accordance with the laws of [Insert Jurisdiction], without regard to conflict of laws principles.
10.2 Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the courts of [Insert Jurisdiction].
We may update these Terms from time to time. Changes will be effective upon posting on our website or within the Service. Your continued use of the Service after changes have been posted constitutes acceptance of the revised Terms.
For questions about these Terms, please contact us at:
Factou LLC
app@factou.com
30 N Gould St Suite R
Sheridan, Wyoming 82801
USA