Terms of use

Who runs the service

FinancialMD is run by LuLu Ventures LLC. In these terms "we" means that company and "the service" means the terminal at financial.md, the API at api.financial.md and agent.financial.md, and the MCP server at mcp.financial.md.

By using the service you agree to these terms. If you do not agree, do not use it. Software and agents that call the service act for the person or company that runs them, and that person or company is bound by these terms.

Information only

The service gives information. It is not investment, legal, tax or accounting advice, and it is not a recommendation to buy or sell anything. Decide for yourself, and check a number against the filing before you rely on it. Every value links to its filing so that you can.

Where the data comes from

Statements, filings and ownership data are built from public filings on the SEC's EDGAR system. The service is not affiliated with or endorsed by the SEC.

Daily price bars are built from trades at IEX only, under the IEX Historical Data Terms of Use. They are not the consolidated tape, not an official close and not adjusted. A price response names its source and carries the citation those terms require in meta.attribution. Keep that citation if you show or republish the bars.

We standardize and derive figures with software. The software can be wrong, a filing can be wrong, and coverage has gaps. The docs say what is covered.

Using the service

• You may use the service for personal or commercial work, by hand or with software and agents.
• Stay within the rate limits. Do not get around them, for example by rotating addresses or forging request headers.
• Do not try to break, overload or gain unauthorised access to the service.
• Do not present our output as coming from the SEC or as audited by us.

We may limit or block use that breaks these rules or harms the service for others.

Keys, tokens and payment

• No account is needed. Without a key, calls are counted per IP address against the daily limits on the docs page.
• API keys are not issued to the public yet. If we give you a key, keep it secret. You are responsible for the calls made with it. See API keys.
• An MCP client may register itself with the service (OAuth dynamic client registration) and ask you to approve the connection. The token it receives stands for that connection, not for a person, and has the same limits as calls without a key.
• Nothing is charged today. Per-call payment for agents on agent.financial.md is not switched on. If it opens, a priced call will state its price before any payment is made, and these terms will be updated first. See Pricing.

No warranty

The service is provided as it is and as available. We make no promise that it is accurate, complete, current or uninterrupted. We may change or stop any part of it at any time.

Liability

As far as the law allows, we are not liable for losses that come from using the service or relying on its data, including trading or investment losses.

Privacy

The privacy page says what the service records.

Changes

We may change these terms. The date at the top shows the latest version. Using the service after a change means you accept the new terms.