Terms of Service

These Terms of Service ("Terms") apply to your access to and use of the Services, including associated websites, applications, features, tools, software, APIs we may offer, waitlist and account administration, and paid plans. They form an agreement between you and the Operator doing business as 141 software ("141," "we," "our," or "us") when you accept these Terms or when you otherwise access or use the Services.

1. Who we are

141.software, app.141.software, and related Services are operated under the trade name 141 software. That name is a doing-business-as style brand. It is not a corporation, LLC, partnership, or other limited-liability entity, and using the trade name does not create a liability shield. These Terms bind you and the natural person or persons currently operating that trade name (the "Operator"). If the Operator later forms or designates a legal entity to operate the Services, the Operator may assign this agreement to that successor, and "141," "we," and "us" will then mean that company. "141 Parties" means the Operator and the current and future owners, members, managers, officers, directors, employees, contractors, agents, affiliates, licensors, service providers, and personnel of 141 software.

2. The Services

141 provides research, analysis, and related software tools. The Services may include, without limitation, websites and applications; company, security, issuer, and people information; filings and other disclosures; quotes and other market data; news, transcripts, estimates, ownership, calendars, charts, maps, screens, scores, alerts, search, document viewing, saved work, collaboration or sharing features we add; waitlist, account, seat, and administrator tools; billing and paid plans; and features that summarize, classify, extract, or organize information, including using automated systems and machine-learning models.

We may add, change, limit, or remove features, datasets, sources, jurisdictions, or availability at any time. Listing examples does not mean every capability is offered to every account, in every region, or on every device. Some functionality may be preview, beta, invitation-only, or paid. The Services do not connect to a broker, open or hold brokerage accounts, route orders, or execute transactions. 141 is not a registered investment adviser, broker-dealer, or other regulated financial-services provider. Nothing in the Services is an offer, solicitation, or recommendation to buy or sell any security, or professional, legal, tax, or investment advice. Output is informational. It is not personalized to your financial circumstances, objectives, holdings, or risk tolerance.

No fiduciary or advisory relationship. Nothing in the Services or these Terms creates a fiduciary, advisory, agency, broker, investment-adviser, attorney-client, accountant-client, or other professional relationship between you and 141 or any 141 Party.

You are solely responsible for independently verifying information before relying on it for trading, investment, valuation, financial reporting, regulatory, tax, legal, or other decisions. No output from the Services should be the sole basis for any transaction or decision. Any reliance you place on the Services is at your own risk.

3. Registration and access

You must be at least 18 years old and have legal capacity to contract. Persons under 18 may not register or use the Services. You must provide accurate account information, keep credentials confidential, not share logins, and promptly tell us of unauthorized use. You are responsible for activity under your account to the extent permitted by applicable law.

Access may be by invitation, waitlist admission, a free or paid plan, an organization seat, or other authorization we grant. We may refuse, suspend, reclaim, or terminate access for any lawful reason, including breach, non-payment, vendor requirements, inactivity, security concerns, or operational necessity. You may delete your account from Settings → Profile (type DELETE to confirm). Deletion revokes access and sessions; some records may be retained as described in the Privacy Policy.

If you join an organization account, or your account is provisioned or administered by an organization, that organization may manage the account, seats, access, and billing as described in the applicable organization agreement.

We may offer limited-time, preview, or trial features. Those features are for evaluation, may be incomplete, and may be withdrawn. They are provided "as is" unless a writing says otherwise.

4. Paid accounts

If you purchase any aspect of the Services — including a subscription, seat, add-on, usage-based feature, or other paid plan we make available — you must provide complete and accurate billing information and a valid payment method. Card and similar payment details are collected by our payment processor, not stored in full on our servers.

For subscriptions, we will automatically charge your payment method on each periodic renewal until you cancel. We will charge tax or other required amounts when applicable. If payment is not successful, we may downgrade your account or suspend access until payment is received. You may cancel a paid subscription at any time from the billing or account controls we provide in the Services, or by emailing billing@141.software; amounts already paid are non-refundable except where required by law (including the 14-day withdrawal right for European Consumers in section 17). Cancellation stops future renewals; you generally keep paid access until the end of the then-current period unless we state otherwise or law requires a different result.

We may change prices from time to time. If a recurring price increases, we will give reasonable notice, and the new price will apply at the next renewal so you can cancel if you disagree. Notice may be in-product, by email, or other reasonable means. A signed order form or enterprise agreement may set different fees, seats, invoicing, and cancellation terms for that account.

Questions about charges or cancellation: billing@141.software or the billing contacts on your invoice.

5. License to use the Services

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access the Services for your own professional or business research, or your organization's internal research if you are on an organization account. We and our licensors retain all right, title, and interest in the Services, software, databases, Marks, and Content. Except for on-screen use and export or download controls we expressly provide, you may not copy, scrape, crawl, bulk-download, mirror, frame, reproduce, systematically index, archive, extract, aggregate, publicly display, resell, sublicense, redistribute, train models on, or create competing products from the Services or Content without our prior written consent. We may enforce technical limits, including rate limits, and you may not circumvent them.

6. Customer Data and feedback

Customer Data means notes, highlights, uploaded files, saved views, queries you submit to features we provide for you, investment theses, models, proprietary analysis, company research, and other original material you store in the Services. You retain ownership of Customer Data. We do not acquire ownership of it. You grant us a limited license to host, store, transmit, process, display, back up, secure, maintain, and support Customer Data solely as reasonably necessary to provide the Services for you (and your organization, if applicable). We treat Customer Data as confidential and limit access as described in the Privacy Policy and our agreements. We will not sell it, use it to build products for other customers, or use it to train foundation models or other generalized machine-learning models. Processors may process it under contract only for authorized purposes. After account deletion we remove Customer Data from active systems; backups expire on their rotation cycle as described in the Privacy Policy.

You represent that you have all rights and permissions necessary to submit Customer Data and that it is lawful. You may not upload material nonpublic information; confidential information you are not authorized to disclose; unlawfully obtained information; protected health information; passwords, keys, or other secrets; or other regulated data that would impose HIPAA, FISMA, or similar duties on us, unless we have agreed in a signed writing.

If you send product ideas, bug reports, or other feedback about the Services, you grant us a worldwide, royalty-free, irrevocable license to use that feedback to operate and improve 141, without restriction or compensation. Feedback is not Customer Data unless you separately and intentionally provide Customer Data as feedback.

7. Third-party content, market data, and generated output

The Services may display quotes, filings, estimates, news, ownership records, transcripts, maps, analytics, and other materials that originate from exchanges, regulators, vendors, public sources, or our own calculations. Those items are not one legal category. Regulator filings are often public records; exchange quotes and some vendor feeds are typically licensed; news, transcripts, and many databases are copyrighted or contractually restricted. Display in 141 is not a grant to republish, bulk-export, or commercially exploit underlying third-party content except as permitted by law or the applicable license. Your use must not put us in breach of a vendor or exchange agreement. We may throttle, geo-restrict, modify, or withdraw datasets when a licensor, exchange, regulator, or applicable law requires it. You acknowledge that availability of third-party data may depend on licenses and permissions outside our control, and we may change or remove such data without liability to the fullest extent permitted by law.

Certain Services may use automated systems, including artificial intelligence and machine-learning models, to summarize, classify, extract, organize, or otherwise transform information obtained from third-party sources, public filings, company disclosures, licensed data feeds, and other information sources. Generated or AI-assisted material is informational and is not advice. It can contain factual errors, omit relevant information, misinterpret source material, be outdated, be inconsistent, produce similar or identical output for different users, and reflect limitations of underlying models and data. It is not guaranteed to be original or non-infringing. Where practicable, generated content may include links, citations, source labels, timestamps, or other provenance. That information may be incomplete or unavailable. A citation is not endorsement, affiliation, or ownership. Consult underlying sources before relying. No generated output should be the sole basis for any transaction or decision. 141 uses third-party sources only to the extent we determine that the applicable source, license, permission, or other lawful basis permits the relevant processing and use.

Third-party sites and services linked from or integrated with the Services are not under our control. Their terms and privacy practices govern that destination. Open-source components are governed by their licenses.

8. Acceptable use

You must comply with applicable law and our Acceptable Use Policy. We may suspend or terminate access for violations, suspected abuse, or to protect the Services, users, or third parties.

9. Availability and changes

We may modify, suspend, or discontinue any part of the Services without liability to the fullest extent permitted by law. If we discontinue a paid plan you already paid for, we will refund unused prepaid time for the then-current term. Maintenance, ingest, vendors, networks, infrastructure, or security issues can cause delay or error. We may correct typographical, pricing, or data errors at any time. We are not obligated to maintain any particular dataset, period count, source, or feature.

10. Intellectual property

We and our licensors own the Services. Marks and copyright notices are described in Copyright, Trademarks & DMCA. We maintain a policy of terminating, in appropriate circumstances, accounts of users who are repeat copyright infringers.

11. Disclaimer of warranties

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, OR THAT CONTENT IS COMPLETE, CURRENT, OR SUITABLE FOR TRADING, REPORTING, ACCOUNTING, VALUATION, INVESTMENT DECISIONS, OR REGULATORY FILING.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE 141 PARTIES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, TRADING LOSSES, LOSS OF BUSINESS OPPORTUNITY, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY. EXCEPT FOR LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW (INCLUDING FRAUD OR WILLFUL MISCONDUCT WHERE THAT LIMIT WOULD BE UNENFORCEABLE), THE TOTAL LIABILITY OF THE 141 PARTIES FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID US FOR THE SERVICES IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US$100) IF YOU HAVE PAID NOTHING. A SIGNED ORDER FORM OR ENTERPRISE AGREEMENT MAY SET A DIFFERENT CAP FOR THAT ACCOUNT. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE CASES LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED.

13. Indemnification

You will defend, indemnify, and hold harmless the 141 Parties from and against any claims, demands, actions, liabilities, damages, losses, judgments, settlements, penalties, costs, and reasonable attorneys' fees arising out of your use of the Services, your Customer Data or other Content, your breach of these Terms, or your violation of law or third-party rights. We may control the defense and settlement of any indemnified claim at your expense, and you will cooperate. We will not settle any such claim in a manner that admits your liability or imposes a non-monetary obligation on you without your consent. You may not settle any such claim if the settlement imposes liability, an admission, or any obligation on a 141 Party, without that 141 Party's prior written consent.

We will defend you against a third-party claim that the 141 software we provide (excluding Customer Data, third-party content, and datasets we display under license or from public sources) directly infringes a U.S. copyright or registered U.S. trademark, and we will pay damages finally awarded against you on that claim, provided you notify us promptly, allow us to control the defense, and cooperate. This does not apply to claims arising from combination with items we did not supply, from your modification or unauthorized use, or from content you or a third party provided. This is our entire liability for IP infringement by the 141 software.

14. Termination

You may stop using the Services and close your account at any time. We may suspend or terminate access, or delete an account, if you breach these Terms or the Acceptable Use Policy; if we must do so to comply with law or a vendor or exchange requirement; if your use presents risk or harm; if fees are unpaid; or, for a free account, after prolonged inactivity. If we close an account in error, email legal@141.software and we will review. Sections that by their nature should survive (including intellectual property, paid-account amounts owed, disclaimers, limitations of liability, indemnities, and dispute terms) survive termination.

15. Electronic communications, export, and user data

Using the Services, submitting forms, and emailing us are electronic communications. You consent to receive notices electronically, including to the email on your account, and agree that electronic records satisfy any writing requirement to the extent permitted by law. Operational mail (security, access, billing, legal) may still be sent after you unsubscribe from product updates.

You may not use the Services if you are located in a comprehensively sanctioned jurisdiction, are on a U.S. or allied restricted-party list, or would cause us to violate export or sanctions law. You represent that you are not prohibited from receiving U.S. software or data.

You are responsible for data you submit and for keeping copies of work product you need. We perform routine backups but are not liable for loss or corruption of user data to the fullest extent permitted by law.

16. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, excluding conflict-of-law rules. The UN CISG and UCITA do not apply. Before filing a claim (other than for IP protection, unauthorized use, or injunctive relief), the parties will try to resolve the dispute informally for thirty (30) days after written notice to legal@141.software. If you are a European Consumer, section 17 also applies.

If informal resolution fails, the dispute will be resolved by binding individual arbitration administered by the American Arbitration Association. For commercial or business use, the AAA Commercial Arbitration Rules apply. If you are a consumer and applicable law requires consumer arbitration rules, the AAA Consumer Arbitration Rules apply instead. The seat is Delaware unless mandatory law requires otherwise. The arbitrator may award individual relief only. Class, collective, and representative actions are waived to the fullest extent permitted by law. Judgment may be entered in any court of competent jurisdiction. Either party may still seek injunctive relief in court to protect intellectual property or stop unauthorized use, and may bring an individual action in small claims court if the claim qualifies and the court has jurisdiction. If arbitration is found unenforceable for a dispute, exclusive venue is the state or federal courts in Delaware, and you consent to personal jurisdiction there, except where mandatory consumer law gives you a right to sue in your place of habitual residence. Claims must be brought within one (1) year after they accrue, unless a longer period is required by law that cannot be waived.

Under California Civil Code § 1789.3, California users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

17. Europe Specific Terms

If you are a European Consumer, this section applies and prevails over the rest of these Terms to the extent of a conflict. A "European Consumer" is a natural person who is habitually resident in the European Economic Area, the United Kingdom, or Switzerland and who uses the Services for purposes outside their trade, business, craft, or profession. If you use 141 for work at a firm, you are not a European Consumer for that use.

Nothing in these Terms limits rights you have under the mandatory consumer law of your country of habitual residence, including as to unfair terms, digital content, and dispute resolution. Delaware law and arbitration apply only to the extent they do not deprive you of those rights. You may bring proceedings in the courts of your country of habitual residence where that right cannot be waived.

If you purchase a paid plan as a European Consumer, you may withdraw from that purchase within fourteen (14) days of the contract, without giving a reason, by emailing billing@141.software. We will refund amounts paid for that unused subscription term by the same payment method, without undue delay and within fourteen (14) days of receiving the withdrawal. If you expressly requested that we begin providing the digital service during the withdrawal period and we did so, you may still withdraw, but we may deduct an amount proportionate to what was provided until you told us. Organization or invoice accounts are not consumer distance contracts.

We cannot exclude liability for death or personal injury caused by negligence, for fraud, or for other liability that applicable consumer law does not allow us to exclude. The "as is" disclaimer, liability cap, and your indemnification obligation apply only to the extent permitted by that law.

We will suspend or terminate a European Consumer account only on a valid and reasonable basis, such as breach of these Terms or the Acceptable Use Policy, non-payment, security or legal risk, a vendor or exchange requirement, or discontinuation of the Services. If we close an account in error, email legal@141.software and we will review.

If we make a material change to these Terms that affects a European Consumer, we will give prior notice (in-product or by email) so you can stop using the Services before the change takes effect. If you do not agree, stop using the Services and close the account; you are not required to accept the change solely by continued use.

If we discontinue a paid plan you already paid for as a European Consumer, we will refund unused prepaid time for the then-current term.

18. Miscellaneous

These Terms are the entire agreement on their subject except a signed order, enterprise agreement, or addendum that expressly overrides them. Failure to enforce a provision is not a waiver. We may assign the Terms, including to a company formed to operate 141 software; you may not assign without our consent except to a successor in connection with a merger or sale of substantially all assets, with notice. If a provision is unenforceable, the rest remains in effect. There is no partnership or agency. Force majeure excuses delay beyond our reasonable control. Headings are for convenience only.