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Terms of Service

Last updated: October 11, 2026

1. Who We Are and Acceptance of Terms

Scrutar ("the Service"), including the public pages on scrutar.com and the Scrutar application, is owned and operated by Tecemal Technologies Inc. ("Tecemal", "we", "us", "our"), a corporation incorporated in Canada. These Terms of Service are an agreement between you and Tecemal. Company details are published at tecemal.com/company.

By accessing or using the Service you agree to these Terms of Service and to our Privacy Policy. If you do not agree, do not use the Service. If you use the Service on behalf of an organisation, you confirm that you have authority to bind it, and "you" includes that organisation.

2. Eligibility

You must be at least 18 years old to use the Service, and you may not use it where doing so is unlawful. By using the Service you confirm that both are true.

3. Description of Service

Scrutar is a platform for reading and analysing the filings of public companies. It gathers documents and data from the SEC's EDGAR system and other public sources, and uses artificial intelligence and other software to extract figures, summarise filings, detect patterns and provide research tools. Scrutar is not affiliated with, endorsed by or connected to the U.S. Securities and Exchange Commission.

We improve the Service continuously and may add, change or remove features, adjust plan limits, or discontinue the Service. Where a change materially reduces what a paid plan includes, we will tell you in advance.

4. Not Financial Advice

Scrutar does not provide financial advice, investment advice, tax advice, legal advice, or any other form of professional advisory services.

All data, analysis, summaries, risk assessments, red flag detections, guidance interpretations, sentiment scores, and any other content presented through the Service are for informational and research purposes only. Nothing on the Service constitutes a recommendation or solicitation to buy, sell, or hold any security, financial product, or investment strategy.

You should always consult with a qualified financial advisor, accountant, or other professional before making any investment decisions. Scrutar is not a registered broker-dealer, investment advisor, or financial planner. Your use of the Service does not create any fiduciary relationship between you and us.

5. AI-Generated Content Disclaimer

Scrutar uses artificial intelligence to extract data from SEC filings and generate analytical content. AI-generated content may contain errors, inaccuracies, or omissions.

Specifically, you acknowledge and accept that:

  • Financial data extracted from filings (revenue figures, ratios, balance sheet items, etc.) may be incorrectly parsed, misattributed, or incomplete.
  • AI-generated summaries, guidance interpretations, and risk analyses may misrepresent or oversimplify the original filing content.
  • Red flag detections and anomaly scores are algorithmic assessments, not definitive determinations of fraud, misconduct, or material risk.
  • Sentiment analysis, peer comparisons, and relationship mapping are approximate and may not reflect the full context of corporate disclosures.
  • Responses from "Ask Scrutar" (the conversational AI feature) are generated by large language models and may produce incorrect, incomplete, or misleading answers.
  • Similar questions may produce similar answers for other users. AI-generated content is not exclusive to you.

You are responsible for independently verifying any data or analysis obtained through the Service against the original source filings available on the SEC's EDGAR system or other authoritative sources before relying on it for any purpose.

6. Data Sources and Accuracy

Scrutar sources data from publicly available SEC filings and other public datasets. While we strive to maintain accurate and up-to-date information, we do not guarantee the completeness, accuracy, reliability, or timeliness of any data presented through the Service. Filing data may be delayed, incomplete, or contain errors introduced during processing. Coverage is limited to the companies and filing types we support, which may change.

7. Accounts

You are responsible for keeping your credentials confidential and for everything done under your account. Give us accurate information when you register, keep it current, and tell us at once if you believe your account has been used without your permission. You may delete your account at any time from the Settings page in the application.

8. Plans, Billing and Cancellation

  • Plans. Scrutar offers a free Starter plan and paid Professional and Enterprise plans. What each plan includes, and its limits on AI usage and other features, is set out on the pricing page and applies as a term of your plan. Usage above a limit is refused or, for features described as unlimited, subject to fair use (section 9).
  • Payment. Paid plans are billed in advance, monthly or yearly, through our payment processor, Stripe. Your subscription renews automatically at the end of each period unless you cancel. Prices are shown in US dollars and exclude any taxes that apply to you.
  • Cancellation. You can cancel at any time from the billing portal in the application. Your plan stays active until the end of the period you have paid for, then moves to the Starter plan.
  • Trials. If we give you a trial of a paid plan, it ends automatically on the date we tell you, and your account moves to the Starter plan unless you subscribe.
  • Refunds. Fees already paid are not refunded for a partial period, except where the law requires it or where we choose to at our discretion, for example after a billing error.
  • Price changes. We may change prices with at least 30 days' notice by email. A change applies from your next renewal after the notice period.
  • Enterprise. If you have a signed agreement with us, its terms prevail over these where they conflict.

9. Acceptable Use

You agree not to:

  • use the Service for any unlawful purpose or in violation of any applicable laws or regulations;
  • attempt to gain unauthorised access to the Service, other user accounts, or related systems;
  • use automated tools, bots or scrapers to access or extract data from the Service beyond normal usage, unless we have authorised it in writing;
  • resell, republish or redistribute data or content obtained through the Service, or use it to build a competing product or dataset;
  • share your account or use one account for several people, other than through an Enterprise agreement;
  • interfere with or disrupt the Service or its infrastructure.

Exports, webhooks and other integrations are provided for your own research and internal use, including within your organisation. Features described as "unlimited" are subject to fair and reasonable use. We may throttle or restrict access if usage significantly exceeds normal patterns, affects the Service for others, or appears to be automated abuse rather than genuine use.

10. Your Content

You keep ownership of the notes, memos, journal entries, watchlists, screens and other content you create in the Service. You grant us a licence to store, process, back up and display that content for the sole purpose of providing the Service to you. Your research journal is private to you and is never sent to an AI provider. You are responsible for what you put in the Service and for having the right to do so.

11. Intellectual Property

The Service, including its design, features, code, and original content, and the Scrutar name and logo, are owned by Tecemal and protected by intellectual property laws. The underlying SEC filing data is publicly available, but our analysis, presentation, and AI-generated content are proprietary. Subject to these terms, we grant you a personal, non-transferable licence to use the Service for research.

12. Third-Party Services

The Service links to third-party sites such as EDGAR and company websites, and works with third-party services such as Stripe and, if you configure them, your own webhook endpoints. We are not responsible for third-party sites or services, and your use of them is governed by their own terms.

13. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

14. Limitation of Liability

To the fullest extent permitted by law, Tecemal shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of or related to your use of the Service. This includes, without limitation, any losses resulting from reliance on data, analysis, or AI-generated content provided through the Service, and any investment decision you make.

In no event shall Tecemal's total liability exceed the amount you paid for the Service during the twelve months preceding the event giving rise to the claim, or one hundred US dollars if you have paid nothing. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

15. Indemnification

You agree to indemnify Tecemal, its directors, officers and employees against claims, losses and reasonable costs arising from your breach of these terms, your misuse of the Service, or content you submit to it.

16. Termination

We may suspend or terminate your access to the Service if you breach these terms, if the law requires it, or if we discontinue the Service, giving notice where we reasonably can. You may stop using the Service and delete your account at any time. On termination your right to use the Service ends; sections 4, 5, 10 to 15, 17 and 19 continue to apply.

17. Governing Law and Disputes

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-law rules. Any dispute that we cannot resolve together will be brought in the courts of Ontario, and you consent to their jurisdiction. If you are a consumer, nothing in this section removes protections that the law of your place of residence gives you and does not allow you to waive.

18. Changes to Terms

We may update these Terms of Service from time to time. We will post the updated terms on this page and change the "Last updated" date, and we will tell you in the application or by email if the change is material. Your continued use of the Service after changes take effect means you accept the revised terms.

19. General

These terms, together with the Privacy Policy and the plan terms on the pricing page, are the whole agreement between you and Tecemal about the Service. If any part of these terms is found unenforceable, the rest continues to apply. We may assign these terms to an affiliate or to a successor in a merger, acquisition or sale of the Service, and will tell you if we do. You may not assign them without our written consent. Our not enforcing a term is not a waiver of it.

20. Contact

Questions about these terms go to support@scrutar.com, or through the feedback feature in the application. Legal notices to Tecemal Technologies Inc. go to hello@tecemal.com.