Terms of Service

1. What this is

BalanceProof draws the balance sheets that US public companies filed with the SEC, and serves the same figures through an API. The underlying filings are public records published by the SEC. This service is the drawing and the plumbing around them.

2. Not financial advice

Not financial advice. No predictions. No guarantees. The visualisations and data are for educational and informational purposes only. Do not make investment decisions based solely on this data. Use at your own risk.

Nothing here is a recommendation to buy, sell or hold anything. This service produces no scores, no ratings and no forecasts, and it is not a broker, dealer, or investment adviser.

3. The search and the drawings

The search and the visualiser are provided as-is, for information. We do not guarantee the accuracy, completeness or timeliness of anything displayed. Figures are extracted automatically from SEC filings and can be wrong, stale, or missing — a company can file late, restate, or tag a number in a way the extraction reads differently than you would.

Always check the filing itself before relying on a number. Every company page names the source it was built from.

4. Accounts and API keys

You need an account only to use the API. Your API key identifies you and counts against your allowance; treat it as you would a password. You are responsible for what is done with your key. If it leaks, regenerate it from your dashboard — the old one stops working immediately.

You must be at least 18 years old, or have the consent of a parent or guardian, to use this service.

5. Acceptable use

Do not:

• exceed or attempt to evade your API allowance, including by registering multiple accounts to multiply a free tier;
• scrape the site, or use the API in a way that degrades it for others;
• use the service for anything illegal, or to infringe anyone's rights;
• resell or redistribute the API as a competing service. Using the data inside your own product or research is fine — the SEC filings are public.

6. Paid plans and refunds

Starter, Pro and Business are subscriptions, billed monthly or yearly, each with its own monthly API allowance and features as listed on the pricing page and at /api/plans. Enterprise is agreed and invoiced separately under its own terms. The full-dataset download is a one-time purchase of a file. Payment is taken by Stripe on Stripe's own checkout page. No card details are entered on this site or held by us — we receive confirmation that a payment succeeded and the email address it was made with, and nothing else.

Paid plans have a 14-day refund window. If you ask 01dominique.c@gmail.com within 14 days of a Starter, Pro or Business payment, monthly or annual, that payment is refunded in full, no reason needed. A refund ends the plan's access and the account returns to the free allowance. Payments older than 14 days are not refunded, though cancelling stops the next one.

Introductory offer. A visitor may be offered a discount on the first month of monthly Pro. It is shown at most once per internet connection, can only be claimed from the page it is shown on, and ends if you leave that page without claiming it. Once claimed it is applied automatically at checkout for one hour. It is for first-time customers only, can be used once, does not apply to annual Pro or the dataset, has no cash value, and cannot be transferred or combined with another discount. After the first month Pro renews at its normal price. We may change or withdraw the offer at any time; a discount already applied to a completed checkout is honoured.

The dataset download is non-refundable once the file has been downloaded, because a file cannot be returned. If something goes wrong on our side, with either product, contact 01dominique.c@gmail.com and we will make it right.

Paid plans renew through Stripe, monthly or yearly, until cancelled. To cancel, use Manage subscription on the Billing tab of your dashboard, which opens Stripe's own page, or email 01dominique.c@gmail.com. Access continues to the end of the period already paid for; when it lapses your account returns to the free allowance — your key keeps working, nothing is deleted. A one-time dataset purchase does not renew.

7. Termination

We may suspend or revoke access if these terms are broken, or if an account is being used in a way that threatens the service. Where it is practical to do so first, we will tell you why.

You can stop using the service at any time, and ask for your account to be deleted (see the Privacy Policy).

8. Intellectual property

The SEC filings and the figures in them are public records, free of royalty, and are not ours. The site, the drawings, the extraction code and the API are ours. You may use the data you obtain through the service — including commercially — subject to section 5.

9. Liability

The service is provided as-is, without warranties of any kind. To the fullest extent the law allows, our total liability to you for any claim arising out of the service is limited to the amount you have paid us in the twelve months before the claim. For a free account that amount is zero.

We are not liable for indirect or consequential losses, including trading losses, lost profits, or decisions taken on the basis of anything shown here.

10. Indemnification

You agree to indemnify us against claims arising from your use of the service or your breach of these terms.

11. Changes

We may change these terms. Material changes will be announced by email to account holders, or by a notice on the site, before they take effect. Continuing to use the service after that means you accept the new terms.

12. Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. Disputes go to the courts of Ontario.

13. Contact

Questions about these terms: 01dominique.c@gmail.com.