Terms of Service

1. Agreement and who you contract with

These Terms govern your use of SignalX, the website at signal-x.app and the SignalX Android app (together, the "service"). By creating an account or using the service you agree to these Terms, the Privacy Policy and the Refund Policy. If you do not agree, do not use the service.

• On the website, and for anything you buy there through Stripe, you contract with Viva Technologies Lab, LLC, a Delaware limited liability company.
• In the Android app, and for anything you buy there through Google Play, you contract with 비바테크놀로지스 (Viva Technologies), a sole proprietorship in the Republic of Korea.

The two businesses operate SignalX together and your account works in both. "We" and "us" mean the business you contract with under this section.

2. Eligibility and your account

You must be at least 18 years old, or the age of majority where you live, to use the service. You sign in with a Google account and are responsible for activity on your account. One person per account: do not share your account, and do not create extra accounts to get more free questions or trials.

3. The service

SignalX collects public regulatory filings, mainly from the U.S. Securities and Exchange Commission's EDGAR system, and presents them with structured data, alerts and AI-generated summaries and answers for research. We may change, add or remove features. If we remove a core paid feature during a period you have paid for, you may ask for a pro-rata refund of that period.

4. Not investment advice

SignalX provides information for research only. It is not financial, investment, legal, tax or trading advice, and nothing on the service is a recommendation to buy, sell or hold any security. We are not a registered investment adviser or broker-dealer. Make your own decisions and consult a qualified professional where appropriate.

See the Disclaimer for where our data comes from, how often it updates and the limits of AI-generated content.

5. AI-generated content

Summaries, translations, scores and answers are produced by AI models and can be incomplete, out of date or wrong, even when they cite a filing. Check important facts against the original filing (we link to it). Filings and other documents may contain text that tries to steer AI output; we filter for this, but cannot guarantee it is always caught.

6. Plans, trials and billing

• Free plan. Free has the limits shown on the pricing page and no charge.
• Pro trial. New accounts get Pro for 7 days, once per account, without a payment method. When the trial ends the account moves to Free automatically and nothing is charged.
• Paid plans renew automatically. Pro and Premium are billed monthly or yearly in advance, in U.S. dollars, plus any applicable tax, and renew at the end of each period at the then-current price until you cancel. Usage limits reset every month on your billing day; unused questions do not carry over.
• Free first periods. If you add a payment method during the trial or under a first-month-free offer, the date of your first charge is shown before you confirm. Cancel before that date and you are not charged. Where the law requires it, we will remind you before the first charge.
• Cancelling. Web subscriptions: Settings > Manage subscription. Android subscriptions: Google Play > Payments & subscriptions. Cancellation takes effect at the end of the current period and you keep paid features until then.
• Changing plans. An upgrade starts immediately with a new billing period. A downgrade takes effect at the end of the current period.
• Price changes. We will tell you at least 30 days before a price increase applies to your subscription, and you can cancel before it does.
• One billing channel. A subscription bought on the web cannot be managed in Google Play and the other way around. Cancel one before subscribing through the other.
• Refunds are covered by the Refund Policy.

7. Developer API

• The API is billed separately from plans with prepaid credits ($0.10 per credit, minimum purchase $5). Usage is described in the API documentation. Credits have no cash value, cannot be transferred, do not expire while your account is open, and are removed when you delete your account. Credits are non-refundable except for billing errors, unauthorized charges, failures on our side, or where the law requires, as described in the Refund Policy.
• If you turn on auto-recharge, you authorize us to charge your saved card the amount you chose whenever your balance falls below your threshold, up to the monthly maximum you set. You can turn it off at any time.
• Keep your API keys secret. You are responsible for requests made with your keys; revoke a key in the dashboard if it leaks.
• Respect rate limits. You may use API results in your own products with attribution to SignalX, but you may not resell or redistribute the data in bulk or use it to build a competing dataset or service.

8. Acceptable use

You agree not to:

• Use the service for anything unlawful, including market manipulation or fraud.
• Access parts of the service you are not allowed to, probe or test its security without our written permission, or get around usage limits, quotas or payment.
• Scrape, crawl or use automated tools to extract data from the service, other than through the official SignalX API.
• Copy, republish, redistribute or resell SignalX content (summaries, translations, signals, scores or compiled datasets) in bulk.
• Present shared chats or other SignalX output as investment recommendations from SignalX, or edit them to mislead others.
• Overload, disrupt or reverse engineer the service.

Sharing links to SignalX pages and quoting short excerpts with attribution and a link back to SignalX is welcome.

9. Your content and shared links

You keep ownership of the questions and reports you send us. You give us permission to process them to run the service, as described in the Privacy Policy. When you share a chat, the question, answer and sources become viewable by anyone with the link; you are responsible for what you share. We may remove shared content that breaks these Terms, and you can ask us to remove a link at contact@vivatechlab.com.

10. Intellectual property

The service, including its design, software and features, belongs to us. SEC filing data is in the public domain. SignalX summaries, translations, signals, scores and compiled datasets are SignalX content, licensed to you for personal research use, subject to Sections 7 and 8.

11. Third-party services

Sign-in, payments and app distribution are provided by Google, Stripe and Google Play under their own terms. We are not responsible for third-party websites or services we link to.

12. Disclaimers

To the extent permitted by law, the service is provided "as is" and "as available", without warranties of any kind, including accuracy, completeness, timeliness, merchantability or fitness for a particular purpose. We do not guarantee that the service will be uninterrupted or error-free.

13. Limitation of liability

To the extent permitted by law, we are not liable for indirect, incidental, special or consequential damages, or for trading or investment losses, lost profits or lost data arising from your use of the service. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim, or US$100 if you paid nothing. These limits do not apply to liability for our intentional misconduct or gross negligence, or to any liability that cannot be limited by law, and they do not affect the rights you have as a consumer under the law of the country where you live.

14. Indemnity

To the extent permitted by law, you will cover our reasonable costs from third-party claims caused by your breach of these Terms or your misuse of the service.

15. Suspension and termination

You can stop using the service and delete your account at any time (see the Privacy Policy). We may suspend or close an account that breaks these Terms or harms the service or other users. Where reasonable we will tell you first and give you a chance to fix the problem. If we close a paid account without cause, we will refund the unused part of the period you paid for.

16. Changes to these Terms

We will post changes on this page and update the date above. For changes that matter we will give notice in the service or by email at least 7 days before they take effect, or 30 days before if a change is unfavorable to you. If you do not agree, you can cancel and stop using the service before the change takes effect; continuing to use it after that means you accept the new Terms.

17. Governing law and disputes

Please contact us first at contact@vivatechlab.com so we can try to resolve a problem informally. Contracts with Viva Technologies Lab, LLC are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules. Contracts with Viva Technologies are governed by the laws of the Republic of Korea, and disputes go to the court with jurisdiction under the Korean Civil Procedure Act. In every case, if you are a consumer you keep the protection of the mandatory laws of the country where you live and may bring a claim in its courts.

18. Contact and business information

Questions about these Terms: contact@vivatechlab.com.

Android app seller (Republic of Korea):