Terms of Service

1. Acceptance of Terms

By accessing or using JCurve (operated by JCurve Technologies), including our web application, API services, browser extensions, and associated agentic workflows (collectively, the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you are agreeing to these Terms on behalf of an organization or enterprise entity, you represent and warrant that you have full authority to bind that organization to these Terms.

2. Platform Description & Services

JCurve is a multi-tenant agentic equity research platform designed to ingest financial filings (including SEC EDGAR, BSE India, EU Financial Reports, and user-uploaded PDF reports), perform vector retrieval, reasoning, calculation, and document verification, and generate citation-grounded research answers.

3. Licenses, Seat Allocation & Token Quotas

Organizations subscribe to pre-paid licenses that provide specific seat pools and token allowances. Access to the Platform is governed by the following rules:

• Seat Assignment: Each user utilizing the Platform must be assigned an active user license seat by an Organization Manager. Releasing a seat frees it immediately for reassignment.
• Quota Enforcement: Execution of LLM queries, vector embeddings, and agent tool invocation consumes token quota as specified in your purchased license plan. Calls exceeding assigned organization or user quotas will be gated.
• Reset Cycles: Token allowances reset on the recurring billing cycle defined in the organization license agreement. Unused tokens do not roll over to subsequent billing periods unless explicitly stated in an enterprise contract.

4. Document Uploads & Intellectual Property

When you upload PDF reports, financial statements, or custom analytical files to JCurve:

• You retain full ownership and intellectual property rights in your submitted documents.
• You grant JCurve a non-exclusive, worldwide, limited license to process, chunk, embed, and analyze submitted documents solely for the purpose of serving your research queries and organization workspace.
• We enforce strict tenant isolation boundaries. Uploaded content is isolated by organization ID and team scope, and is never shared across organizations or used to train public foundation models.

5. Disclaimer on Financial & Investment Advice

While JCurve incorporates numeric verification tools and source bounding-box citation tracking, financial data and AI models can produce unexpected outputs or errors. Analysts and financial professionals remain solely responsible for validating citations and verifying analytical conclusions prior to making investment or trading decisions.

6. Acceptable Use Policy

You agree not to:

• Attempt to bypass quota gates, authentication middleware, or tenant scoping controls.
• Use automated scrapers or bots to extract platform data outside authorized API boundaries.
• Upload documents containing malicious payloads, viruses, or illegal content.
• Reverse engineer or attempt to derive the source code or proprietary prompt strategies of the Platform.

7. Service Availability & Modifications

We continuously update and improve the Platform. JCurve reserves the right to modify features, update agent configurations, or perform planned maintenance. We aim to provide advance notice for significant scheduled downtime or system updates.

8. Termination

You may stop using the Platform at any time. Organization admins may manage license subscriptions in the Billing portal. JCurve reserves the right to suspend or terminate accounts that violate these Terms or present security risks to the multi-tenant architecture.

9. Contact Us

If you have questions regarding these Terms of Service, please contact your organization administrator or reach out to our legal team at legal@jcurveiq.com.