Terms & Conditions

These Terms & Conditions (the “Terms”) form a binding agreement between you (“you,” “Subscriber,” or “user”) and 8K Brief (“8K Brief,” “we,” “us,” or “our”) governing your access to and use of the website at 8kbrief.com and the related email briefings, content, and services (collectively, the “Service”). By accessing the Service, creating an account, or purchasing a subscription, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, Financial Disclaimer, and Refund Policy, each incorporated by reference. If you do not agree, do not use the Service.

1. The Service

8K Brief is an informational research product that monitors public filings made available through the U.S. Securities and Exchange Commission’s EDGAR system, generates summaries and classifications of Current Reports on Form 8-K, and delivers periodic email briefings and related web content. The Service is provided for general informational purposes only and is not investment, legal, tax, or accounting advice. See our Financial Disclaimer.

2. Eligibility and Accounts

You must be at least 18 years old and able to form a binding contract to use the Service. You agree to provide accurate information and to keep your account credentials and magic sign-in links confidential. You are responsible for all activity that occurs under your account. Notify us promptly at [email protected] of any unauthorized use.

3. Subscriptions, Billing, and Automatic Renewal

Premium access is offered as an annual subscription priced at US$299 per year, unless otherwise stated at the point of purchase. Payment is processed by our third-party payment processor, Stripe, Inc. (“Stripe”). By subscribing, you authorize us, through Stripe, to charge your payment method the applicable subscription fee plus any applicable taxes.

Automatic renewal. Your subscription renews automatically at the end of each annual term, and your payment method on file will be charged the then-current annual rate, unless you cancel before the renewal date. By purchasing, you consent to these recurring, automatically renewing charges until you cancel. We may change subscription pricing from time to time; any price change will apply to renewals occurring after we provide notice to you by email or through the Service.

4. Cancellation

You may cancel your subscription at any time by emailing [email protected] or by using any self-service cancellation tools we make available. Cancellation stops future automatic renewals. Unless a refund is due under our Refund Policy, you will retain access to premium content through the end of the then-current paid term, and you will not be charged for subsequent terms.

5. Refunds

Refunds are governed exclusively by our Refund Policy, which is incorporated into these Terms.

6. License and Acceptable Use

Subject to these Terms and your payment of applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service and its content for your own internal, non-commercial use. You agree that you will not, and will not permit any third party to:

• copy, reproduce, republish, post, transmit, sell, license, sublicense, distribute, or otherwise make the content available to any person who is not an authorized subscriber under your account;
• forward, share, or redistribute briefings, summaries, or other content, in whole or in part, including through newsletters, group chats, data feeds, or internal redistribution beyond the individual subscriber;
• use any robot, spider, scraper, or other automated means to access, extract, or harvest the Service or its content;
• use the content to build, train, or improve any dataset, model, or competing product or service;
• remove or alter any copyright, trademark, or proprietary notices; or
• use the Service in violation of any applicable law or regulation.

Enterprise, team, and redistribution licenses may be available; contact [email protected].

7. Intellectual Property

The Service, including its compilation, summaries, classifications, analysis, text, design, and software, is owned by 8K Brief or its licensors and is protected by United States and international intellectual-property laws. Underlying SEC filings are public records; our summaries, organization, and presentation of that information are our proprietary work product. All rights not expressly granted are reserved.

8. No Investment Advice

8K Brief is not a registered investment adviser, broker-dealer, or financial planner, and nothing in the Service constitutes a recommendation, solicitation, or offer to buy or sell any security or to adopt any investment strategy. You are solely responsible for your own investment decisions. Please read our Financial Disclaimer in full.

9. Third-Party Services and Source Data

The Service relies on third-party providers, including Stripe (payments) and Resend (email delivery), and on source data from the SEC EDGAR system. We do not control and are not responsible for the accuracy, availability, or policies of third-party services or source data, and your use of those services may be subject to their own terms.

10. Disclaimer of Warranties

THE SERVICE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT SUMMARIES OR CLASSIFICATIONS ARE ACCURATE OR COMPLETE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL 8K BRIEF OR ITS OWNERS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE OR ANY RELIANCE ON ITS CONTENT, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless 8K Brief and its owners and personnel from and against any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your breach of these Terms, your misuse of the Service, or your violation of any law or the rights of any third party.

13. Termination

We may suspend or terminate your access to the Service, in whole or in part, at any time and without prior notice if we reasonably believe you have violated these Terms, engaged in unauthorized redistribution, or used the Service unlawfully or in a manner that harms us or other users. We also reserve the right to terminate or modify the Service generally. Upon termination, the licenses granted to you end. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, indemnification, and governing law) will survive.

14. Changes to the Service or These Terms

We may modify the Service or these Terms at any time. If we make material changes, we will update the “Last updated” date above and, where appropriate, notify you by email or through the Service. Your continued use after changes take effect constitutes acceptance of the revised Terms.

15. Governing Law and Venue

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Ohio, United States, without regard to its conflict-of-laws rules. You agree that the exclusive jurisdiction and venue for any dispute not subject to arbitration or small-claims court will be the state and federal courts located in Ohio, and you consent to personal jurisdiction there. The parties will first attempt in good faith to resolve any dispute informally by contacting [email protected] before initiating formal proceedings.

16. Miscellaneous

These Terms, together with the policies incorporated by reference, constitute the entire agreement between you and 8K Brief regarding the Service. If any provision is held unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any right is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for any delay or failure caused by events beyond our reasonable control.

17. Contact

Questions about these Terms may be sent to [email protected].