Terms of Service

1. Agreement to These Terms

These Terms of Service ("Terms") are a binding agreement between you ("you," "your," or "Subscriber") and Sentia Research LLC, a North Carolina limited liability company with its principal office at 4030 Wake Forest Road, Suite 349, Raleigh, North Carolina 27609 ("Sentia," "we," "us," or "our").

By creating an account, checking the acceptance box at sign-up, or accessing or using sentiaresearch.com or any Sentia service (together, the "Service"), you agree to these Terms, to our Subscriber License Agreement, and to our Privacy Policy, each incorporated here by reference. If you do not agree, do not create an account and do not use the Service.

If you accept these Terms on behalf of a firm or other entity, you represent that you have authority to bind that entity, and "you" means that entity.

The Service is offered only to residents of the United States. It is not directed to, and may not be used by, persons located in the European Economic Area, the United Kingdom, or any jurisdiction where its provision would be unlawful.

You must be at least 18 years old to use the Service.

2. What Sentia Is — and What It Is Not

Sentia is a publisher of impersonal financial research.

Sentia publishes AI-assisted equity research briefs derived from public filings and market data, provided for informational and research purposes only.

No content on the Service constitutes a recommendation that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person. All content is impersonal, is of general circulation, and is not tailored to the investment needs, financial situation, objectives, risk tolerance, or portfolio of any subscriber or any other person.

Sentia is not:

• a registered investment adviser, and does not provide investment advice;
• a broker-dealer, and does not effect securities transactions;
• a fiduciary to you or to any other person, by virtue of your use of the Service or otherwise;
• a provider of tax, legal, accounting, insurance, or financial planning advice.

Sentia does not know and does not collect your financial circumstances, holdings, account balances, cost basis, share quantities, or investment objectives, and nothing on the Service is calibrated to them. Any watchlist or portfolio feature stores only company ticker symbols — never dollar amounts, positions, or brokerage account information — and does not convert impersonal research into personalized advice.

All investment decisions are yours alone. You should consult a qualified, licensed professional before making any investment decision. Investing involves risk, including possible loss of principal.

3. Artificial Intelligence and the Limits of the Research

Sentia's research is generated by an AI-assisted pipeline that uses large language models supplied by Anthropic, applied to SEC filings, XBRL structured filing data, earnings call transcripts, and third-party market data.

You acknowledge and agree that:

(a) AI-generated content may contain errors. Language models can produce inaccurate, incomplete, outdated, or internally inconsistent output, including plausible-sounding statements that are wrong. Sentia applies automated validation checks before publication, but no automated process eliminates error, and Sentia does not warrant that any brief is free of error.

(b) Citations are pointers, not guarantees. Figures in a brief are cited to a specific filing concept and SEC accession number so that you can verify them at the source. The citation is an invitation to verify, not a substitute for verification. You are responsible for independently confirming any figure or statement before relying on it.

(c) Third-party data may be wrong. Market data, analyst consensus, peer comparisons, fund-holdings data, and segment data are supplied by third-party vendors and by public sources. Sentia believes these sources reliable but does not guarantee their accuracy, completeness, timeliness, or availability, and is not responsible for vendor errors, delays, or interruptions.

(d) The drift score is an analytical opinion. Sentia's proprietary 0–100 drift score is a quantified analytical opinion about the relationship between management communications and reported financial results. It is not a rating, a price target, a prediction, a valuation, or a recommendation, does not forecast future performance, and should not be used as the sole basis for any decision.

(e) Coverage is limited and changes. Sentia covers a limited set of companies, which may expand, contract, or change without notice. The absence of coverage implies nothing about any company.

(f) Content is as of its date. Research reflects information available as of the date shown. Sentia has no obligation to update, revise, correct, or continue publishing any brief, and information may be superseded by later events at any time.

4. Accounts, Access Codes, and Security

You must provide accurate registration information and keep it current. You are responsible for maintaining the confidentiality of your credentials and for all activity occurring under your account, whether or not authorized by you.

Accounts are individual and non-transferable. Sharing credentials, or permitting access by anyone other than the named user, is a material breach of these Terms.

During any early-access or invitation-only phase, access may require a code issued by Sentia. Access codes are confidential, non-transferable, and revocable at any time.

Notify us immediately at contact@sentiaresearch.com of any unauthorized access or suspected compromise.

5. Subscriptions, Fees, and Billing

(a) Early Access. The Service is currently offered without charge during an early-access phase. No payment is collected and no charges are incurred during this phase. Paid subscription terms, pricing, and auto-renewal disclosures will be presented to you for separate affirmative acceptance before any charge is made.

(b) Paid subscriptions (when offered). Subscriptions are offered on monthly or annual terms at the prices displayed at checkout. All fees are stated in U.S. dollars, are exclusive of applicable taxes, and are non-refundable except where required by law, including for partial billing periods and for periods during which you did not use the Service.

(c) Automatic renewal. Paid subscriptions renew automatically at the then-current rate for successive periods of the same length until cancelled. Before your first charge, we will present the renewal terms — the amount, the billing frequency, and the cancellation method — clearly and conspicuously, and will obtain your separate affirmative consent to automatic renewal. We will provide advance notice of any price change and periodic renewal reminders as required by applicable law.

(d) Cancellation. You may cancel at any time through your account settings, without contacting us and without obstruction. Cancellation takes effect at the end of the then-current billing period. You retain access through that period; no partial-period refunds are provided.

(e) Payment processing. Payments are processed by Stripe. Sentia does not receive or store full payment card numbers. Your use of payment processing is also subject to the processor's terms.

(f) Failed payment. If a charge fails, we may suspend or terminate access until payment is resolved.

(g) Price and plan changes. We may change prices and plan features prospectively. Changes do not affect the current paid period. Where you have been granted a rate lock, its terms are as stated in writing at the time it was granted.

(h) Taxes. You are responsible for all applicable sales, use, VAT, and similar taxes other than taxes on Sentia's net income.

6. Your Use of the Service

Your license to use the Service and its content is governed by the Subscriber License Agreement. Without limiting it, you agree that you will not:

1. redistribute, resell, sublicense, syndicate, publish, or otherwise make the content available to any third party, except as expressly permitted by the Subscriber License Agreement;
2. use any content, output, or data to train, fine-tune, evaluate, or develop any machine-learning or artificial-intelligence model, or as input to any automated analytical or generative system;
3. use any robot, spider, scraper, crawler, or other automated means to access, extract, or index the Service, or attempt to obtain content in bulk;
4. remove, obscure, or alter any citation, disclaimer, attribution, or Sentia branding;
5. share account credentials, or exceed the number of authorized users for your plan;
6. reverse engineer, decompile, or attempt to derive the drift-score methodology, models, prompts, validation logic, or source code;
7. use the Service to build, train, or benchmark a competing product or service;
8. interfere with, disrupt, probe, or circumvent the security or integrity of the Service or its rate limits;
9. use the Service in violation of any applicable law, rule, or regulation, including securities laws;
10. misrepresent Sentia content as your own original work, or as personalized advice from Sentia to any person.

7. Intellectual Property

The Service, including its software, interfaces, design, compilations, selection and arrangement of content, methodologies (including the drift score), trademarks, and branding, is owned by Sentia or its licensors and is protected by intellectual property and unfair competition law.

Underlying public filing data obtained from the U.S. Securities and Exchange Commission is not subject to copyright. Sentia claims no ownership of raw public data. Sentia does claim its selection, coordination, arrangement, editorial judgment, analysis, methodology, and presentation.

Third-party market data remains the property of its providers and is licensed, not sold, to you.

"Sentia," "Sentia Research," and the Sentia logo are trademarks of Sentia Research LLC. Nothing here grants you any right to use them.

Feedback. If you send us suggestions or feedback, you grant Sentia a perpetual, irrevocable, worldwide, royalty-free license to use it without restriction or compensation.

8. Third-Party Content, Links, and Services

The Service displays and links to third-party content, including SEC filings, market data, news headlines, and analyst information. Sentia does not endorse, control, adopt, or verify third-party content and is not responsible for it. Links are provided for convenience only. Your use of any third-party site or service is at your own risk and subject to that party's terms.

9. Disclaimer of Warranties

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.

TO THE FULLEST EXTENT PERMITTED BY LAW, SENTIA AND ITS MEMBER, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND SUPPLIERS (COLLECTIVELY, THE "SENTIA PARTIES") DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, THE SENTIA PARTIES DO NOT WARRANT THAT: (a) THE SERVICE OR ANY CONTENT WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE; (b) THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME; (c) ANY DEFECT WILL BE CORRECTED; OR (d) ANY RESULT, OUTCOME, RETURN, OR PERFORMANCE WILL BE ACHIEVED.

NO ADVICE OR INFORMATION OBTAINED FROM THE SERVICE CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE.

Some jurisdictions do not allow the exclusion of certain warranties. To the extent an exclusion is not permitted, it is limited to the greatest extent permitted by applicable law, and the remaining exclusions remain in full force.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SENTIA PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, INVESTMENT RETURNS, TRADING LOSSES, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, UNDER ANY THEORY OF LIABILITY — CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, WARRANTY, STATUTE, OR OTHERWISE — EVEN IF A SENTIA PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

THE SENTIA PARTIES' TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (a) THE TOTAL FEES YOU ACTUALLY PAID TO SENTIA IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED U.S. DOLLARS ($100).

WITHOUT LIMITING THE FOREGOING, THE SENTIA PARTIES ARE NOT LIABLE FOR ANY INVESTMENT DECISION, TRADE, OR TRANSACTION YOU OR ANY OTHER PERSON MAKES, OR DECLINES TO MAKE, IN CONNECTION WITH THE SERVICE, OR FOR ANY LOSS RESULTING FROM RELIANCE ON ANY CONTENT, FIGURE, SCORE, OR ANALYSIS.

Savings clause. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, fraudulent misrepresentation, gross negligence, or willful misconduct. If any limitation in this Section is held unenforceable as to any claim, it remains in full force as to every other claim, and the unenforceable portion is limited to the maximum extent permitted by law rather than struck in its entirety.

You acknowledge that the fees reflect this allocation of risk, that these limits are a material and bargained-for basis of this agreement, and that Sentia would not provide the Service on these terms without them.

11. Indemnification

You will defend, indemnify, and hold harmless the Sentia Parties from and against any claim, demand, action, proceeding, loss, liability, damage, cost, or expense (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your breach of these Terms or the Subscriber License Agreement; (c) your redistribution, publication, or sharing of any content, including any brief you provide to a client or third party; (d) your violation of any law or of any third party's rights; (e) any investment advice, recommendation, or service you provide to any person, whether or not informed by Sentia content; or (f) any content or data you submit.

Sentia will give you reasonable notice of any claim and may participate in its defense with counsel of its choosing at its own expense. You may not settle any claim in a way that imposes any obligation or admission on a Sentia Party without our prior written consent.

12. Term, Suspension, and Termination

These Terms apply while you use the Service.

You may terminate at any time by cancelling your subscription and ceasing use.

We may suspend or terminate your access at any time, with or without notice or cause, including for breach of these Terms, suspected credential sharing, non-payment, abusive or automated access, or where required by law or by a data provider.

On termination: your license ends immediately; you must cease use of the Service and destroy or delete Sentia content in your possession, except that briefs you lawfully exported and delivered to your own clients before termination may be retained by those clients for their records. No refund is owed on termination for breach.

Sections 2, 3, 6, 7, 9, 10, 11, 13, 14, and 15 survive termination.

13. Changes to the Service and to These Terms

The Service is subject to change. We may add, modify, suspend, or discontinue any feature, coverage of any company, data source, methodology, or the Service in whole or in part, at any time and without liability.

These Terms are subject to change. We may modify them at any time. The current version will always be posted at sentiaresearch.com/terms with a "Last Updated" date and version number.

• For non-material changes, the updated Terms take effect when posted.
• For material changes, we will provide at least thirty (30) days' notice to the email address on your account before they take effect.
• Your continued use of the Service after the effective date constitutes acceptance. If you do not agree, your remedy is to stop using the Service and cancel before the effective date.
• Where required, we will obtain your affirmative acceptance of material changes before they apply to you.

Changes will not apply retroactively to a dispute arising before their effective date.

14. Governing Law, Venue, and Dispute Resolution

(a) Governing law. These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws rules and excluding the U.N. Convention on Contracts for the International Sale of Goods.

(b) Exclusive venue. You and Sentia agree that any action must be brought exclusively in the state or federal courts located in Wake County, North Carolina. You consent to personal jurisdiction and venue there and waive any objection based on inconvenient forum.

(c) Jury trial waiver. EACH PARTY KNOWINGLY AND VOLUNTARILY WAIVES ANY RIGHT TO TRIAL BY JURY in any action arising out of or relating to these Terms or the Service.

(d) Class action waiver. YOU AND SENTIA AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The court may not consolidate more than one person's claims or preside over any form of representative proceeding. If this waiver is held unenforceable as to a particular claim, that claim must be severed and heard in court, and the remainder of this Section remains enforceable.

(e) Time limit. Any claim arising out of or relating to the Service or these Terms must be filed within one (1) year after the claim arose, or it is permanently barred, to the extent permitted by law.

15. General

Entire agreement. These Terms, together with the Subscriber License Agreement and Privacy Policy, are the entire agreement between you and Sentia regarding the Service and supersede all prior understandings.

Severability. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable — or, if it cannot be modified, severed — and all remaining provisions remain in full force.

No waiver. No failure or delay in enforcing any provision waives it.

Assignment. You may not assign these Terms without our prior written consent. We may assign freely, including in connection with a merger, acquisition, or sale of assets.

Force majeure. Neither party is liable for failure to perform due to causes beyond its reasonable control, including acts of God, outages, network or vendor failures, cyberattack, labor disputes, or governmental action.

Relationship. Nothing creates a partnership, joint venture, employment, agency, or fiduciary relationship.

Notices. We may give notice by email to your account address or by posting on the Service. Notices to Sentia must be sent to contact@sentiaresearch.com and to Sentia Research LLC, 4030 Wake Forest Road, Suite 349, Raleigh, NC 27609.

Export and sanctions. You represent that you are not located in, and are not a national or resident of, any sanctioned jurisdiction, and are not on any U.S. restricted-party list.

Headings. Headings are for convenience only and do not affect interpretation.

Contact. contact@sentiaresearch.com