Effective Date: September 8, 2025
Last Updated: September 8, 2025
These Terms of Service (“Terms”) govern your use of CoreBrief's fundamental analysis services and platform. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.
If you do not agree to these Terms, please do not use our services.
“Services” refers to CoreBrief's fundamental analysis tools, content, and platform, including all analysis, reports, and related features.
“User” means any person or entity accessing or using the Services, including authorized representatives of institutional clients and independent professionals conducting research.
“AI” refers to artificial intelligence technologies, including machine learning algorithms, large language models, and automated analysis systems used in our research and report generation processes.
CoreBrief publishes general and impersonal financial research for broad circulation. We do not provide personalized investment advice. We intend to operate within the "publisher's exclusion" under Section 202(a)(11)(D) of the Investment Advisers Act, as discussed in Lowe v. SEC (472 U.S. 181 (1985)), by offering content that is general and not tailored to any person's objectives or needs. Nothing herein is a legal admission or a waiver of any rights or defenses.
CoreBrief intends to satisfy the publisher's exclusion criteria by providing:
CoreBrief does not:
Non-Interactive System: CoreBrief operates as a non-interactive publication platform that delivers pre-generated reports. Our system does not respond to individual queries, does not generate customized content, and cannot tailor outputs to specific subscriber circumstances or investment objectives. Dashboard features such as search, sorting, and filtering only help users locate or organize existing pre-published reports.
No Adviser–Client Relationship: No adviser–client, fiduciary, or confidential relationship is created between CoreBrief and any subscriber by accessing or using our services, subscribing to our publications, or receiving our content.
All CoreBrief publications are strictly educational and informational. Our analysis focuses on business fundamentals, financial metrics, and company operations as disclosed in public SEC filings. Any analytical metrics, scores, ratings, or framework outputs are informational tools that organize business data—they are not investment recommendations, buy/sell signals, or assessments of investment merit. We do not evaluate investment suitability, provide valuation opinions, or make recommendations regarding the purchase or sale of securities.
CoreBrief intends to operate as a bona fide, disinterested publisher. The following describes CoreBrief's policies intended to maintain independence and the integrity of the publisher's exclusion. These are policy statements, not warranties or guarantees, and CoreBrief reserves the right to modify these policies at any time.
Publication Timing Independence Policy:
CoreBrief's policy is to maintain editorial independence and not intentionally time, coordinate, or schedule publications in relation to:
Publication timing and coverage selection are determined by CoreBrief's editorial discretion and internal research priorities. Coverage decisions are based on factors such as company market capitalization, sector trends, research workload, and editorial judgment—not on market timing or anticipated price movements. CoreBrief's policy is to maintain independence from market events, though occasional coincidental timing may occur. CoreBrief does not intentionally accelerate, delay, or coordinate publications to coincide with market events or to benefit from price changes.
Additional Independence Policies:
Policy Nature and Updates: The policies described in this section are statements of CoreBrief's intended practices and business operations, not contractual warranties or guarantees. CoreBrief reserves the right to modify, update, or change these policies at any time without notice. These policies are maintained for CoreBrief's benefit and do not create third-party beneficiary rights for subscribers or any other persons. Any deviation from these policies, whether intentional or inadvertent, does not create liability, breach any obligation, or give rise to any claims.
⚠️ Important Notice: By subscribing to CoreBrief, you acknowledge and agree that you are receiving general financial publications and not personalized investment advice. No adviser–client, fiduciary, or confidential relationship is created by your subscription or use of our services. You are solely responsible for evaluating the suitability of any investment decisions. Consult with your own qualified financial, legal, and tax advisers before making any investment decisions.
CoreBrief provides a digital library of fundamental analysis covering business fundamentals and company operations, designed for family offices, registered investment advisors (RIAs), and independent professionals. Our subscription service includes:
Coverage Selection: CoreBrief exercises full editorial discretion in selecting companies for coverage. Coverage decisions are based on our independent judgment and are not influenced by market timing, issuer compensation, or promotional considerations.
Important: All research is for informational and educational purposes only. Our analysis focuses on business fundamentals and does not constitute investment advice, recommendations, or solicitations to buy or sell securities. Any metrics, scores, or analytical outputs are informational tools for understanding business data, not investment signals or recommendations.
Beta/Preview Features: CoreBrief may from time to time offer beta, preview, pilot, or experimental features or functionality (“Beta Features”). Beta Features are provided AS IS and AS AVAILABLE without any warranties, representations, or commitments of any kind. CoreBrief may modify, discontinue, or remove Beta Features at any time without notice. Beta Features may contain bugs, errors, or defects, and use of Beta Features is at your sole risk.
CoreBrief is not a broker-dealer and is not a FINRA member. Our publications are publisher research and are not intended to be subject to broker-dealer research rules (e.g., FINRA Rule 2241, Regulation AC).
No Adviser–Client Relationship: By subscribing to or using CoreBrief's services, no adviser–client, fiduciary, broker-dealer, or confidential relationship is created. We do not provide personalized advice or act in any advisory capacity.
No Solicitation: CoreBrief content does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation to buy, sell, or hold any security, investment product, or financial instrument. We do not participate in securities transactions and do not receive transaction-based compensation.
Publication Independence Policy: CoreBrief's policy is to maintain editorial independence and not intentionally time, schedule, or coordinate publications in relation to earnings announcements, securities offerings, mergers and acquisitions, or other market-moving events. Coverage selection and publication timing are driven by editorial discretion, market factors, sector trends, and internal research priorities—not by market timing, issuer activities, or anticipated price movements. While occasional coincidental timing may occur, our policy is to maintain independence from market events. See Section 3.4 for our complete publication independence policy.
For Informational and Educational Purposes Only: All CoreBrief publications are provided strictly for general informational and educational purposes. Our analysis presents factual business fundamentals and financial data derived from public filings. Any analytical metrics, scores, or framework outputs we provide are informational tools designed to organize and present business fundamentals—they are not investment recommendations, buy/sell signals, or indicators of investment merit. We do not evaluate investment suitability, provide valuation opinions, make price predictions, or recommend any investment action.
Non-Interactive System: CoreBrief is a non-interactive publication platform that delivers pre-generated reports to all subscribers. Our system does not respond to individual queries, does not generate customized content, and cannot tailor outputs to specific subscriber circumstances. Dashboard sorting, filtering, or search features only help users locate or organize existing pre-published reports—they do not create personalized analysis.
You must be at least 18 years of age to use our services. CoreBrief is designed for professional and institutional use by family offices, registered investment advisors, financial professionals, and sophisticated individuals conducting business research. By subscribing, you represent that you meet these eligibility requirements.
Our services are offered from the United States and are intended primarily for users in the United States. If you access our services from outside the United States, you do so at your own risk and are responsible for compliance with local laws and regulations.
You agree to comply with all applicable U.S. export control laws and economic sanctions regulations. You may not access or use our services if you are:
We reserve the right to restrict or terminate access from any jurisdiction at our discretion.
By using our services, you agree to:
You represent and warrant that you are authorized to access the Services on behalf of the entity you identify during registration, and that such use complies with all applicable legal, regulatory, and fiduciary obligations.
All content, research, analysis, software, and materials provided through our services are protected by intellectual property rights and remain the exclusive property of CoreBrief or our licensors. This includes but is not limited to text, data, reports, analyses, algorithms, methodologies, user interfaces, and all proprietary notices, trademarks, and branding.
You are granted a limited, non-exclusive, non-transferable license to access and use our services and content solely for your internal business purposes. This license expressly prohibits:
You expressly agree not to engage in any of the following activities:
Without CoreBrief's prior written consent, you may not:
You must preserve all copyright notices, trademarks, proprietary legends, and attribution in any permitted use of our content. Any unauthorized removal or alteration of such notices is strictly prohibited and may result in immediate termination of your access.
CoreBrief actively monitors for unauthorized use and reserves all rights to enforce our intellectual property rights, including seeking injunctive relief and damages. Violations may result in immediate termination of access and legal action.
If you provide ideas, suggestions, feedback, or other input regarding CoreBrief's services, content, or business (“Feedback”), you grant CoreBrief a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable, sublicensable license to use, reproduce, modify, create derivative works from, distribute, publicly display, and otherwise exploit such Feedback for any purpose without restriction, compensation, or attribution. You waive any moral rights in such Feedback.
Our services incorporate data, information, and content obtained from third-party sources, including but not limited to SEC filings, public company disclosures, financial data providers, and other publicly available sources. This third-party data is subject to the following limitations:
CoreBrief respects intellectual property rights. If you believe that any content available through our services infringes your intellectual property rights, please contact us at legal@corebrief.ai with a detailed description of the claimed infringement, your contact information, and evidence of your rights in the allegedly infringed work.
We will review all claims and respond appropriately under applicable law.
Your use of our services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you acknowledge and agree to the data practices described in our Privacy Policy.
For users subject to the California Privacy Rights Act (CPRA), General Data Protection Regulation (GDPR), or other data protection laws, additional rights and protections may apply. Please refer to our Privacy Policy for information about your rights, including rights to access, deletion, portability, and restriction of processing.
If you are a business subscriber processing personal data through our services, you are responsible for compliance with applicable data protection laws. Upon request, CoreBrief will enter into a Data Processing Addendum (DPA) to address CPRA, GDPR, or other data protection requirements. Contact legal@corebrief.ai to request a DPA.
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Access: Upon successful payment, you gain immediate access to our complete research platform, including all current publications and our full research archive. Access continues through your paid subscription period.
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⚠️ AUTOMATIC RENEWAL NOTICE (Required by Law)
Your subscription will automatically renew at the end of each billing period (monthly or annual) unless you cancel before the renewal date. By subscribing, you authorize CoreBrief to automatically charge your payment method for the then-current subscription rate, plus applicable taxes, at the start of each renewal period.
You must cancel before your renewal date to avoid being charged for the next billing period.Cancellation takes effect at the end of your current paid period—you retain access through the period you've already paid for.
You can cancel at any time through your account settings or by contacting support@corebrief.ai. Cancellation is simple, immediate, and can be done entirely online without contacting customer service.
By subscribing to CoreBrief, you expressly acknowledge and agree that:
In compliance with California's Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq.) and consumer protection best practices, CoreBrief provides the following notices:
Initial Purchase Confirmation: Upon subscribing, you will receive an email acknowledgment containing:
Pre-Renewal Reminders: CoreBrief will send advance notice before charging your payment method for subscription renewal:
✓ Click-to-Cancel: Simple Online Cancellation
CoreBrief provides an online cancellation mechanism that is as easy as the original subscription process.You can cancel your subscription entirely online through your account settings without needing to contact customer service, call, or email.
To cancel:
Cancellation takes effect at the end of your current paid billing period. You retain full access to all content through the end of the period you've already paid for. You will not be charged for subsequent billing periods after cancellation.
Alternative: You may also cancel by emailing support@corebrief.ai with "Cancel Subscription" in the subject line.
CoreBrief reserves the right to modify subscription pricing. If we increase the price of your subscription, we will notify you by email at least thirty (30) days before the price change takes effect. The new price will apply to your next renewal after the notice period. If you do not agree to the price change, you may cancel your subscription before the new price takes effect.
You agree to provide current, complete, and accurate billing information and to update your payment method information promptly if it changes (such as expiration date or billing address). If your payment method fails, we may suspend access to the service until payment is received. You are responsible for all charges incurred under your account.
Subscription fees are generally non-refundable except as outlined in our Refund Policy. Please review our Refund Policy before subscribing.
CoreBrief complies with California's Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq.), as amended, and similar automatic renewal and continuous service offer laws in other states. Our subscription practices are designed to meet or exceed the standards set by the FTC's Click-to-Cancel rule and state consumer protection statutes.
Key compliance elements include:
At the point of purchase, CoreBrief presents clear and conspicuous automatic renewal terms immediately adjacent to the consent button. The checkout process requires affirmative consent to automatic renewal terms through an unchecked box that must be actively selected (no pre-checked boxes). Upon successful purchase, subscribers receive an immediate post-purchase confirmation email containing:
These checkout disclosures and post-purchase confirmations are designed to comply with California's Automatic Renewal Law, FTC Click-to-Cancel standards, and similar state consumer protection requirements.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COREBRIEF SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS LOSSES, OR DAMAGES ARISING FROM AI-GENERATED CONTENT ERRORS, LIMITATIONS, OR OMISSIONS.
No Warranties: Our reports and services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement.
AI Output Disclaimers: We specifically disclaim any warranties regarding the accuracy, reliability, or fitness for purpose of AI-generated content, analysis, or recommendations. AI systems may produce errors, hallucinations, biases, or incomplete results. We do not warrant that our AI analysis will be accurate, current, complete, or suitable for your specific research needs. You acknowledge that AI-generated content requires independent verification and professional judgment before use.
Liability Cap: Our total liability for any claims arising from these Terms or your use of our services shall not exceed the total amount you paid in subscription fees in the twelve (12) months preceding the claim, or one thousand dollars ($1,000), whichever is greater.
Statutory Carve-Outs: Nothing in these Terms limits liability for: (a) death or personal injury caused by negligence, (b) fraud or fraudulent misrepresentation, (c) gross negligence or willful misconduct, or (d) any other liability that cannot be excluded or limited under applicable law.
You agree to indemnify and hold harmless CoreBrief from any claims, damages, losses, or expenses arising from your use of our services, violation of these Terms, or infringement of any third-party rights.
You may cancel your subscription at any time through your account settings. Cancellation prevents future billing but does not provide a refund for the current billing period. You retain access to all research content through the end of your paid subscription period.
We may terminate or suspend your account access for: (a) material breach of these Terms, (b) fraudulent activity or misuse of our services, (c) violation of applicable laws or regulations, (d) unauthorized sharing or redistribution of research content, or (e) non-payment of subscription fees.
Upon cancellation or termination, your access to the research platform and all content will end at the conclusion of your current paid billing period. You do not retain any rights to access, download, or use research content after your subscription ends.
Upon termination, provisions regarding intellectual property, liability, indemnification, and dispute resolution will survive termination of these Terms.
We may modify these Terms from time to time. We will notify you of material changes by email or through our service. Your continued use of our services after changes become effective constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles.
PLEASE READ THIS SECTION CAREFULLY. Except as provided in Section 15.3, any dispute, claim, or controversy arising out of or relating to these Terms, your use of our services, or your relationship with CoreBrief shall be resolved through binding arbitration rather than in court.
Arbitration Rules and Procedures:
The following disputes are not subject to arbitration and may be brought in court:
Individual Subscribers: For claims brought by individual subscribers (non-business accounts):
Business and Institutional Subscribers: For claims involving business accounts, fees and costs shall be allocated according to the AAA Commercial Arbitration Rules and applicable law.
Individual subscribers (non-business accounts) may opt out of this arbitration agreement by sending written notice within thirty (30) days of first accepting these Terms or within thirty (30) days of any material change to this arbitration provision.
To opt out, send notice to:
If you opt out, you and CoreBrief may bring claims in court subject to Section 15.1. Opting out of arbitration does not affect any other terms of this agreement. This opt-out right does not apply to business or institutional accounts.
TO THE MAXIMUM EXTENT PERMITTED BY LAW: Any arbitration or legal proceeding shall be conducted on an individual basis only and not as part of a class, collective, consolidated, or representative action. You and CoreBrief agree to waive any right to participate in a class action lawsuit or class-wide arbitration, except where such waiver is prohibited by law.
Exception for Public Injunctive Relief: This class action waiver does not apply to claims for public injunctive relief as defined in Section 15.3. You retain the right to seek public injunctive relief in court on behalf of the general public under applicable consumer protection laws, including California law. Such claims are not subject to arbitration or this class action waiver.
Severability: If the class action waiver is found to be unenforceable as to a particular claim or request for relief (other than public injunctive relief), that claim or request for relief shall be severed and shall proceed in court, while any remaining claims or requests for relief shall proceed in arbitration.
If any portion of this arbitration provision is found to be unenforceable or unlawful for any reason:
For any disputes not subject to arbitration (including for parties who have opted out, claims in small claims court, claims for public injunctive relief, intellectual property claims, or emergency relief), you agree that such disputes shall be brought exclusively in the state or federal courts located in San Diego County, California, and you consent to the personal jurisdiction and venue of such courts, except that claims for public injunctive relief may be brought in any court of competent jurisdiction as required by California law.
CoreBrief shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to natural disasters, internet disruptions, governmental actions, or third-party service failures.
For questions about these Terms, please contact us:
Legal Questions: legal@corebrief.ai
General Inquiries: info@corebrief.ai
You may not assign, transfer, or delegate these Terms or any rights or obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without CoreBrief's prior written consent. Any attempted assignment in violation of this section shall be void.
CoreBrief may freely assign, transfer, or delegate these Terms and any rights and obligations hereunder, in whole or in part, to any affiliate, subsidiary, or in connection with any merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets, without restriction and without notice to you.
These Terms shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.
These Terms of Service, together with our Privacy Policy and any order form or subscription agreement you execute, constitute the entire agreement between you and CoreBrief regarding your use of our services and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding such subject matter.
Order of Precedence: In the event of any conflict or inconsistency among these documents, the following order of precedence shall apply:
No amendment, modification, or waiver of any provision of these Terms shall be effective unless in writing and signed by an authorized representative of CoreBrief. Any waiver of any provision of these Terms will be effective only in the specific instance and for the specific purpose for which it is given and shall not constitute a waiver of any other provision or any subsequent breach.