Legal
Terms of Service
Terms that fit a filings-first data platform: public SEC sources on one side, proprietary indexing and enrichment on the other, with clear rules for access, attribution, redistribution, and responsible use.
Agreement
Using secapi.ai means you agree to the service terms that govern the site, API, docs, and related software.
These Terms of Service ("Terms") are a binding agreement between you and Arcade Group, Inc. (operating as secapi.ai), a company based in Wyoming, United States ("secapi.ai", "we", "us", or "our"). They govern your access to and use of secapi.ai, api.secapi.ai, docs.secapi.ai, SEC API, related SDKs, hosted tools, and any other services that link to these terms. If you access the service on behalf of a company or other organization, you represent that you are authorized to bind that organization to these terms.
- Version 1.0 · Effective June 19, 2026.
- Additional commercial terms in a checkout flow, order form, or plan page control if they conflict with these public terms for the specific purchase.
- If you do not agree to these terms, do not use the service.
Eligibility and electronic agreement
You accept these terms when you create an account, and you agree to transact with us electronically.
By creating an account, clicking to accept, or otherwise accessing or using the service, you agree to these terms. You must be at least 18 years old and able to form a binding contract, and if you act for an organization you represent that you are authorized to bind it. You consent to receive agreements, notices, disclosures, and other communications from us electronically, and you agree that electronic acceptance and records satisfy any legal requirement that such communications be in writing.
- We record your acceptance of these terms and the Privacy Policy, including the version accepted and the time of acceptance.
- You may withdraw consent to electronic communications by closing your account, but doing so ends your ability to use the service.
- If you do not meet the eligibility requirements, you may not use the service.
Accounts and access
You are responsible for your credentials, usage, and anyone operating under your account.
You must provide accurate account information, keep API keys and login credentials secure, and promptly notify us if you believe your account has been compromised. You are responsible for activity under your account, including activity by employees, contractors, agents, or systems you authorize to use the service.
- Do not share credentials in a way that defeats plan limits, auditability, or attribution.
- Do not create multiple accounts or work around quotas, pricing, or technical controls.
- We may suspend or rotate credentials if we reasonably believe the account is compromised or being misused.
Permitted use
The service is meant to power products, workflows, and research with meaningful value beyond a thin pass-through wrapper.
Subject to these terms and your plan, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable right to access and use the service. You may use secapi.ai internally and inside your own products and workflows, provided your implementation adds independent value beyond merely exposing the service or its output through another interface.
- You may use the service for internal research, monitoring, analytics, workflow automation, and customer-facing applications that add material functionality beyond the underlying data feed.
- You may not use the service, or its output, to build or offer any dataset, data feed, API, or product that is substantially similar to, competes with, or serves as a substitute for the service, whether paid or free.
- Free or trial access, if offered, is intended for evaluation and may be subject to additional non-commercial or display restrictions.
- Your permitted use is also governed by the Acceptable Use Policy and the API & Developer Terms, which are incorporated into these terms by reference.
Restrictions
You may not resell, bulk republish, reverse engineer, or use the service in ways that undermine the product or other users.
You may not copy, scrape, reverse engineer, decompile, benchmark for public comparison without permission, or otherwise misuse the service except as allowed by applicable law and these terms.
- Do not resell, sublicense, lease, or provide standalone access to the service or its proprietary outputs.
- Do not distribute secapi.ai output as a standalone data feed, API, or bulk export to third parties; a permitted product integration must add material, independent functionality and must not function as a redistribution layer for the underlying data.
- Do not use secapi.ai output to create a substitute dataset, bulk redistribution service, or public archive of secapi.ai-derived material.
- Do not bypass authentication, rate limits, quotas, request signing, access controls, or usage restrictions.
- Do not use the service in a way that is unlawful, fraudulent, abusive, defamatory, or designed to disrupt the platform.
- If you are permitted to surface secapi.ai-derived data to your own end users, your agreement with them must include disclaimers, usage restrictions, and intellectual-property terms at least as protective of secapi.ai and its third-party data providers as these terms.
Public filings and proprietary layers
SEC filings are public records. secapi.ai's indexing, normalization, metadata, extraction, and enrichment layers are not.
The underlying SEC filings, accession numbers, and public-source documents remain public records and are subject to the rights and limitations that apply to those sources. secapi.ai owns or licenses the proprietary parts of the service, including the product design, documentation, software, request and response formats, indices, normalized entities, mappings, extraction logic, structured metadata, enriched fields, and other service-specific compilations or transformations.
- You do not acquire ownership of secapi.ai's software, documentation, normalized schemas, or proprietary enrichments by using the service.
- You may use service output in your workflows and applications as allowed by these terms, but you may not strip, clone, or republish the proprietary service layer in bulk.
- Third-party rights may apply to source materials or upstream datasets referenced by the service, and those rights remain with their respective owners.
Display, attribution, and source integrity
If you display secapi.ai-derived filing data, keep the provenance legible.
If you show filing-derived material to end users, you must not present it in a misleading way or imply that secapi.ai or the SEC endorses your product. When practical, preserve a source trail that lets users trace displayed material back to the relevant filing, accession number, or SEC source document.
- If you materially rely on secapi.ai-derived filing data in an external-facing product, attribute secapi.ai in a commercially reasonable way.
- Do not remove source references in a way that obscures whether a value is based on a public filing, a derived transformation, or your own analysis.
- If a filing is amended, corrected, or withdrawn, you are responsible for refreshing or replacing stale downstream presentations where accuracy matters.
Caching and retention
Reasonable internal caching is fine. Public mirrors and indefinite bulk retention are not.
You may cache secapi.ai responses internally to support performance, reliability, and product functionality, provided the caching is consistent with your plan and does not turn the service into a substitute data warehouse or public mirror.
- Do not maintain a public cache, public replay layer, or public mirror of secapi.ai-derived responses without written permission.
- Do not retain proprietary secapi.ai enrichments in bulk for longer than needed to support your permitted use, especially where plan limits, freshness expectations, or correction workflows matter.
- We may require deletion of proprietary service data after termination, suspension, or material breach.
Payments and changes
Paid access, plan limits, and product changes may evolve as the service evolves.
If you purchase a paid plan, you agree to the pricing, billing cadence, taxes, and usage terms presented at checkout, in the applicable order form, or in your account. We may update the service, pricing, plan packaging, or technical limits from time to time.
- Unless a separate commercial term says otherwise, fees are non-refundable except where required by law or as the Refund & Cancellation Policy provides.
- We may modify or discontinue features, but we will avoid doing so in a way that is intentionally deceptive or designed to strand customers mid-use without notice where notice is reasonable.
- Continued use after a posted update means you accept the updated terms.
Suspension and termination
We may suspend access for abuse, legal risk, security risk, or material breach.
We may suspend or terminate your access if we reasonably believe your use violates these terms, creates legal or security risk, harms the platform, harms other users, or puts upstream rights or data availability at risk.
- You may stop using the service at any time.
- On termination or suspension, your right to use the service ends immediately, and we may require deletion of proprietary service data that you are no longer permitted to retain.
- Sections that by their nature should survive termination, including restrictions, intellectual property, disclaimers, and limitations of liability, survive.
Disclaimers
The service is provided as-is, and filings workflows still require human judgment.
To the maximum extent permitted by law, secapi.ai and its third-party data providers provide the service and all data on an as-is and as-available basis, without warranties of accuracy, completeness, timeliness, reliability, merchantability, fitness for a particular purpose, or non-infringement. SEC-source materials can be delayed, amended, withdrawn, malformed, or incomplete, and service output may depend on third-party systems outside our control. You assume the entire risk for the results obtained from, and the performance of, the service and its output.
- secapi.ai does not provide legal, tax, accounting, investment, trading, or compliance advice, and nothing in the service is a recommendation or an offer to buy or sell any security.
- You are responsible for verifying high-stakes decisions against official SEC sources and your own professional judgment.
- secapi.ai and its third-party data providers are not liable for any loss or injury caused, in whole or in part, by an error of any kind, whether by human or machine, in the data or the service.
- SEC and EDGAR are trademarks of the U.S. Securities and Exchange Commission. secapi.ai is an independent service and is not affiliated with, endorsed by, or sponsored by the SEC.
Liability and contact
Our liability is limited, and questions about these terms should come through the support channels listed on secapi.ai.
To the maximum extent permitted by law, we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, goodwill, or data arising from or related to the service. Our total liability for claims arising from the service will not exceed the amount you paid to us for the service during the twelve months before the event giving rise to the claim, or one hundred U.S. dollars if you did not pay for the service.
- Some jurisdictions do not allow certain warranty exclusions or liability limits, so parts of this section may not apply to you.
- The limitations in this section do not cap either party's indemnification obligations or your obligation to pay fees.
- Questions about these terms, and any legal or arbitration notices, can be sent to legal@secapi.ai. Billing and account questions go to support@secapi.ai.
Indemnification
Each side stands behind its own conduct.
You agree to defend, indemnify, and hold harmless secapi.ai and its officers, employees, and third-party data providers from claims, damages, and costs (including reasonable legal fees) arising from your applications or data, your use of the service in breach of these terms or the Acceptable Use Policy, or your violation of law or the rights of a third party. We agree to defend you from third-party claims alleging that the service itself, when used as permitted, infringes that third party's intellectual-property rights, and to pay resulting costs finally awarded, subject to the limitations in these terms.
- The indemnifying party's obligations are conditioned on prompt written notice of the claim, sole control of the defense and settlement, and reasonable cooperation.
- Our defense obligation does not cover claims arising from your data, your application, your combination of the service with other products, or your use of the service other than as permitted.
- If the service is or may be enjoined, we may, at our option, modify it, procure the right to continue, or terminate the affected access and refund prepaid, unused fees for that access.
Governing law and dispute resolution
Delaware law governs, and most disputes are resolved by individual arbitration.
These terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-laws rules, and the United Nations Convention on Contracts for the International Sale of Goods does not apply. You and Arcade Group, Inc. (operating as secapi.ai) agree to resolve any dispute arising out of or relating to these terms or the service by binding, individual arbitration administered by a recognized arbitration provider under its commercial rules, rather than in court, except as stated below. The arbitration will be conducted in English and seated in Delaware, and judgment on the award may be entered in any court of competent jurisdiction.
- Class-action waiver: disputes must be brought in your individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims.
- Opt-out: you may opt out of this arbitration agreement within 30 days of first accepting these terms by emailing legal@secapi.ai with your name, account, and a clear statement that you opt out. Opting out does not affect any other part of these terms.
- Small-claims and injunctive relief: either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court to protect its intellectual property or confidential information.
- To the extent any dispute proceeds in court, the state and federal courts located in Delaware have exclusive jurisdiction, and the parties waive any objection to venue and any right to a jury trial.
- Any claim must be brought within one year after it arises, or it is permanently barred to the extent allowed by law.
Export controls and sanctions
You must use the service in compliance with trade-control laws.
The service is subject to U.S. export-control and economic-sanctions laws, including those administered by the Office of Foreign Assets Control (OFAC) and the Bureau of Industry and Security (BIS). You represent that you are not located in, organized under the laws of, or ordinarily resident in a comprehensively embargoed or sanctioned jurisdiction, and that you are not a person with whom U.S. persons are prohibited from dealing.
- You may not access or use the service in violation of any applicable export-control, sanctions, or anti-boycott law.
- You may not use the service to support any prohibited end use, or on behalf of any restricted or denied party.
Force majeure and general terms
Neither side is liable for events beyond its reasonable control, plus the standard closing terms.
Except for payment obligations, neither party is liable for any delay or failure to perform caused by events beyond its reasonable control, including outages, attacks, acts of government, or failures of third-party providers or networks. These terms, together with the policies and any order form they reference, are the entire agreement between you and us regarding the service and supersede prior understandings.
- Assignment: you may not assign these terms without our consent; we may assign them in connection with a merger, acquisition, financing, or sale of assets.
- Severability and waiver: if a provision is unenforceable, the rest remains in effect, and our failure to enforce a provision is not a waiver of it.
- Order of precedence: a signed order form controls over these terms, which control over the documents they incorporate by reference, for the conflict in question.
- Notices to us should be sent to legal@secapi.ai; we may give notice to you by email or through the service.