Terms of Service

Last updated: March 28, 2026

These Terms of Service ("Terms") govern your access to and use of the SpreadVista platform, website, and services (collectively, the "Service") operated by SpreadVista ("we," "us," or "our"). By creating an account or using the Service, you agree to be bound by these Terms.

1. Eligibility and Accounts

You must be at least 18 years old and capable of forming a binding contract to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate information during registration and to keep it current.

During the beta period, SpreadVista is offered free of charge and may evolve in functionality, coverage, or pricing without notice. We reserve the right to limit, suspend, or terminate accounts at our discretion.

2. Description of Service

SpreadVista provides analytics and data visualization tools for publicly available SEC filing data, including but not limited to BDC portfolio holdings (10-K/10-Q filings) and credit fund holdings (N-PORT filings). The Service structures, parses, and cross-references this data using proprietary methods including entity resolution algorithms.

The Service is provided for informational and analytical purposes only. We do not provide investment advice, recommendations, or solicitations to buy or sell securities.

3. Data Sources and Accuracy

Data displayed on SpreadVista is derived from public filings with the U.S. Securities and Exchange Commission. While we strive for accuracy in our parsing and processing, we make no guarantees regarding the completeness, accuracy, or timeliness of the data. Source filings may contain errors, and our automated parsing may not capture every data point correctly.

You should not make investment or financial decisions solely based on data from SpreadVista. Always verify critical data points against the original SEC filings and consult with qualified financial professionals.

4. Acceptable Use

You agree not to:

• Reproduce, redistribute, resell, or sublicense any data, analytics, or content from the Service
• Use automated tools, bots, scrapers, or crawlers to access or extract data from the Service
• Reverse engineer, decompile, or attempt to derive the source code or proprietary algorithms of the Service
• Use the Service to build a competing product or service
• Circumvent access controls, rate limits, or security measures
• Share your account credentials with third parties or allow multiple individuals to use a single account
• Use the Service for any unlawful purpose or in violation of any applicable regulations
• Transmit malicious code, interfere with the Service, or compromise its security

5. Intellectual Property

The Service, including its proprietary data pipeline, parsing algorithms, entity resolution methods, user interface, and analytical tools, is owned by SpreadVista and protected by intellectual property laws. These Terms grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes only.

The underlying SEC filing data is in the public domain. Our proprietary value lies in the structured parsing, cross-referencing, entity resolution, and analytical presentation of that data. You may not claim ownership of or proprietary rights to the structured data outputs produced by our platform.

6. API Access

Programmatic API access to SpreadVista data may be offered as a separate paid service tier. API access is subject to additional terms, rate limits, and usage restrictions that will be communicated at the time of subscription. Unauthorized API access or data extraction is strictly prohibited.

7. Beta Service Disclaimer

During the beta period, the Service is provided "as is" and "as available" without warranties of any kind, whether express or implied. The beta Service may contain bugs, errors, or incomplete features. We may modify, suspend, or discontinue features at any time without notice. Data availability, update frequency, and coverage scope may change during the beta period.

8. Limitation of Liability

To the maximum extent permitted by law, SpreadVista and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of or inability to use the Service.

Our total liability for any claim arising from these Terms or the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim, or $100, whichever is greater.

9. Indemnification

You agree to indemnify and hold harmless SpreadVista from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

10. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

11. Modifications

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or in-app notice. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

12. Termination

Either party may terminate these Terms at any time. You may close your account by contacting us. We may suspend or terminate your access for violation of these Terms or for any reason during the beta period. Upon termination, your right to use the Service ceases immediately.

13. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict of law provisions. Any disputes shall be resolved in the courts located in New York County, New York.

14. Contact

For questions about these Terms, contact us at legal@spreadvista.com.