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Terms of Use

Last updated: March 6, 2026

Please read these Terms carefully before using 10pal.com. These Terms govern your access to and use of the 10Pal AI 10-K Analyzer operated by 10Pal ("Company", "we", "our", or "us").

Not Financial Advice. 10Pal is an informational tool only. Nothing on this platform constitutes investment advice. Always consult a licensed financial professional before making investment decisions.

1. Acceptance of Terms

By accessing or using 10Pal ("Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to all of these Terms, do not access or use the Service. These Terms constitute a legally binding agreement between you and 10Pal.

2. Eligibility

  • You must be at least 18 years old to use the Service.
  • You must have the legal capacity to enter into contracts in your jurisdiction.
  • Use of the Service is void where prohibited by applicable law.
  • By using the Service, you represent and warrant that you meet these eligibility requirements.

3. Description of Service

What 10Pal Does

10Pal provides AI-powered summaries and analysis of publicly available SEC 10-K filings. Our tool surfaces key financial metrics, risk factors, and qualitative insights to help users understand company disclosures faster.

Informational Purpose Only

10Pal is strictly an informational and educational tool. The Service does not provide investment advice, financial advice, legal advice, tax advice, or any other form of professional advice. Nothing on 10Pal should be construed as a recommendation to buy, sell, or hold any security.

Data Sources

Analysis is based on publicly available data from the SEC EDGAR database and other public sources. We do not guarantee the accuracy, completeness, or timeliness of such data.

4. Account Registration

  • You may be required to create an account to access certain features.
  • You are responsible for maintaining the confidentiality of your credentials.
  • You are responsible for all activity that occurs under your account.
  • You must notify us immediately at kanyasca@gmail.com of any unauthorized use of your account.
  • We reserve the right to terminate accounts that violate these Terms.

5. Subscription & Payments

Paid Plans

Certain features require a paid subscription. By subscribing, you authorize 10Pal to charge your payment method on a recurring basis at the then-current subscription price.

Free Trial

Free trial periods, if offered, are limited to one per user. Misuse of free trials (e.g., creating multiple accounts to obtain additional trials) is prohibited and may result in account termination.

Cancellation

You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. No refunds are issued for partial periods unless required by applicable law.

Price Changes

We reserve the right to change subscription pricing. We will provide at least 30 days' notice of any price increase before it takes effect on your account.

6. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable laws or regulations.
  • Scrape, crawl, or otherwise systematically extract data from the Service without written permission.
  • Reverse-engineer, decompile, or attempt to extract the source code or underlying AI models.
  • Use automated tools (bots, scripts) to access the Service in a way that imposes excessive load on our infrastructure.
  • Reproduce, redistribute, or resell outputs of the Service as a standalone product or data feed without our express written consent.
  • Attempt to gain unauthorized access to any systems or networks connected to the Service.
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity.
  • Use the Service to transmit spam, malware, or any harmful code.

7. Intellectual Property

Our IP

The Service, including its design, code, AI models, brand, and all content generated by 10Pal, is owned by 10Pal and protected by copyright, trademark, and other intellectual property laws.

License to You

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial informational purposes, subject to these Terms.

User Content

You retain ownership of any content you submit to the Service. By submitting content, you grant us a worldwide, royalty-free license to use, store, and process it to provide and improve the Service.

SEC Filings

SEC 10-K filings are public domain documents. Our AI-generated analysis and presentation layer, however, are proprietary.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES. AI-GENERATED ANALYSIS MAY CONTAIN ERRORS OR OMISSIONS. YOU USE THE SERVICE AT YOUR OWN RISK.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, 10PAL AND ITS OFFICERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, DATA, OR INVESTMENT LOSSES — ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE THREE MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless 10Pal and its affiliates, officers, and employees from any claims, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

11. Termination

We reserve the right to suspend or terminate your access to the Service at our discretion, with or without notice, for conduct that violates these Terms or is harmful to us, other users, or third parties. Upon termination, your license to use the Service ends immediately. Provisions that by their nature should survive termination (disclaimers, limitations of liability, indemnification) will do so.

12. Governing Law & Disputes

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law principles. Any disputes arising from these Terms or the Service shall be resolved through binding individual arbitration under the rules of the American Arbitration Association. You waive the right to participate in class actions. Notwithstanding the foregoing, either party may seek injunctive relief in a court of competent jurisdiction.

13. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the new Terms on our website and, where appropriate, by email. Continued use of the Service after the effective date constitutes your acceptance of the updated Terms.

14. Miscellaneous

  • Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and 10Pal regarding the Service.
  • Severability: If any provision is found unenforceable, the remaining provisions remain in full force.
  • No Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver.
  • Assignment: You may not assign your rights under these Terms. We may assign ours freely.

15. Contact

For questions about these Terms, contact us at kanyasca@gmail.com.

Questions about these Terms? Email us at kanyasca@gmail.com. Also see our Privacy Policy.