Terms, privacy, refunds and how to reach us
Who we are. Assay is operated by Home 7 Inc., 1022 Wyandotte St E, Windsor, ON N9A 3K2, Canada. Questions about anything on this page: support@onepbdc.com.
Terms of service
1. What Assay is, and is not
Assay reads information that companies disclose in public filings with the U.S. Securities and Exchange Commission and presents diagnostics derived from it. It is an information tool.
Assay is not investment advice. Nothing on the website, in the apps or in the data package is a recommendation to buy, sell or hold any security, and nothing is tailored to your circumstances. Forecasts and scorecards are records of what the system said and how it fared; past results do not predict future ones. You are solely responsible for any decision you make and its consequences.
2. Accounts
You may use the desktop and web apps without an account. An account (a numeric ID and a password you choose) is required for server-side features: forecast submissions, the paper-trading ledger and memberships. Keep your password to yourself; you are responsible for activity under your account. We may suspend accounts used to abuse the service, for example automated scraping of the scoring server or attempts to alter sealed records.
3. Memberships and billing
Paid plans (currently Pro and Lab) unlock the diagnostic layer described on the pricing page. Prices are in US dollars and billed in advance, monthly or yearly, through Stripe. Stripe processes your card; we never see or store card numbers. Plans renew automatically until cancelled. You can cancel at any time from the billing portal in the app; access continues to the end of the period already paid for and then stops. See the refund policy below.
4. Acceptable use
You may use the apps and the data for personal and internal business analysis. You may not resell, sublicense or redistribute the software or the Assay-derived parts of the data package (diagnoses, attributions, prescriptions, forecasts, narratives), reverse engineer the apps, or use automated means to extract data from the scoring server beyond the documented API and your own API keys.
5. Availability and changes
The desktop and web apps work offline once loaded; the scoring server is provided on a best-effort basis without an uptime guarantee. We may change features and prices; price changes take effect at your next renewal and we will tell you in advance.
6. Warranty and liability
The service is provided "as is". Filings contain errors and restatements; our diagnostics can be wrong. To the fullest extent permitted by law we disclaim implied warranties and are not liable for indirect or consequential losses, and our total liability for any claim is limited to the fees you paid us in the twelve months before the claim. Nothing here limits rights that consumer law gives you and that cannot be waived.
7. Governing law
These terms are governed by the laws of Ontario, Canada. Disputes go to the courts there, unless mandatory consumer law says otherwise.
Privacy policy
What we collect
- Account data: a numeric account ID, a hash of your password (never the password itself), your roles and membership status. No email is required to open an account.
- Email address, only if you subscribe to the daily forecast brief; it is used for that brief and nothing else.
- Billing data: handled entirely by Stripe. We store Stripe's customer and subscription identifiers and the plan and expiry they report to us, not card details. Stripe's privacy policy applies to what they collect.
- What you submit: forecasts you file and the resulting paper-trading ledger. These are part of the public scoring record by design, attributed to your account ID, and cannot be edited or deleted after issue, because a record that can be edited is not a record.
- Server logs: IP address, time, path and status of requests to the scoring server, kept for up to 30 days for security and debugging.
What we do not collect
The desktop and web apps run queries on your own device. Which companies you look at, what you search for and what you read never leave your machine. We use no advertising or analytics trackers. The web app stores your session token and language choice in your browser's local storage.
Where data lives
The scoring server runs on Microsoft Azure in Canada Central. Payment data lives with Stripe. Daily evidence files (hashes of forecasts and snapshots, no personal data) are published to a public GitHub repository.
Your rights
You can ask us to delete your account and the email address on file at any time; write to support@onepbdc.com. Forecasts already issued stay in the sealed record under your numeric ID. You can also ask what data we hold about you.
Refund policy
- Cancel any time. Your access continues until the end of the period you have paid for. We do not prorate or refund the remainder of a monthly or yearly period after cancellation.
- Billing mistakes are refunded in full: duplicate charges, charges after a cancellation took effect, or a plan you did not choose. Write to us within 60 days of the charge.
- Yearly plans: if you cancel within 14 days of the first yearly payment and have not used the paid features, we refund it in full.
- Where the law of your country gives you a stronger right, that right applies.
Refunds go back to the original payment method through Stripe and usually appear within 5 to 10 business days.
Data licenses
The data package contains three kinds of material under different terms, and the apps show the full text under About:
- Raw fields from SEC filings (XBRL financials, filing dates, Form 4, 13F, congressional PTRs, segment data, 8-K and AAER anchors) are U.S. government works or public filings and are in the public domain (17 U.S.C. § 105). Use, copy and redistribute them freely.
- Assay-derived content (diagnoses, prescriptions, forecasts, narratives) is licensed for personal and internal use and may not be resold or redistributed.
- The software is proprietary and may not be redistributed. Third-party components and their licenses are listed in the apps.
Market prices come from a third-party vendor, are not redistributed, and are never used by the alert criteria.
Contact
Home 7 Inc.
1022 Wyandotte St E, Windsor, ON N9A 3K2, Canada
Support: support@onepbdc.com
Data and releases: github.com/wr169/assay-data
We answer support email within two business days.
条款、隐私、退款与联系方式
我们是谁。Assay 由 Home 7 Inc. 运营，地址 1022 Wyandotte St E, Windsor, ON N9A 3K2, Canada。本页任何问题请写信至 support@onepbdc.com。
服务条款
1. Assay 是什么，不是什么
Assay 读取公司向美国证券交易委员会公开申报的信息，并呈现由此推导的诊断。它是一个信息工具。
Assay 不提供投资建议。网站、应用与数据包里的任何内容都不是买入、卖出或持有任何证券的建议，也不针对你的具体情况。预报与记分卡是系统说过什么、结果如何的记录；历史成绩不预示未来。任何决定及其后果由你自己承担。
2. 账号
桌面版与网页版无需账号即可使用。服务端功能（投稿预报、纸上交易账本、会员）需要一个账号：一个数字 ID 和你自己设的密码。请保管好密码；账号下的行为由你负责。对滥用服务的账号（例如自动化抓取记分服务器、试图篡改已封存的记录）我们可以停用。
3. 会员与收费
付费套餐（目前为 Pro 与 Lab）解锁定价页所述的诊断层。价格以美元计，按月或按年预付，通过 Stripe 收取。卡号由 Stripe 处理，我们不接触也不存储。套餐自动续订直至取消。你可以随时在应用内的账单门户取消；已付周期结束前访问照常，之后停止。退款见下文。
4. 可接受的使用
你可以将应用与数据用于个人及企业内部分析。不得转售、再许可或再分发软件以及数据包中 Assay 加工的部分（诊断、归因、处方、预报、叙述），不得逆向工程应用，不得在文档化的接口与你自己的 API 密钥之外以自动化手段从记分服务器抽取数据。
5. 可用性与变更
桌面版与网页版加载后可离线使用；记分服务器尽力提供，不承诺在线率。我们可能调整功能与价格；价格变动于你下一次续订时生效，并会提前告知。
6. 担保与责任
服务按「现状」提供。申报本身会有错误与重述，我们的诊断可能出错。在法律允许的最大范围内，我们不作默示担保，不对间接或后果性损失负责，对任何索赔的全部责任以你在索赔前十二个月内向我们支付的费用为限。本条不限制消费者保护法赋予你且不可放弃的权利。
7. 适用法律
本条款适用 Ontario, Canada 法律，争议由当地法院管辖，强制性消费者保护法另有规定的除外。
隐私政策
我们收集什么
- 账号数据：数字账号、密码的哈希（不存明文）、角色与会员状态。开户不需要邮箱。
- 邮箱：仅当你订阅每日预报简报时收集，只用于发简报。
- 账单数据：全部由 Stripe 处理。我们存的是 Stripe 的客户号、订阅号以及它告诉我们的套餐和到期时间，不存卡片信息。Stripe 收集的部分适用 Stripe 的隐私政策。
- 你提交的内容：你投的预报及由此产生的纸上交易账本。它们按设计属于公开记分记录，归属于你的数字账号，发出后不可修改或删除 —— 能改的记录不是记录。
- 服务器日志：访问记分服务器的 IP、时间、路径与状态，为安全与排障保留最多 30 天。
我们不收集什么
桌面版与网页版的查询在你自己的设备上运行。你看了哪家公司、搜了什么、读了什么，不会离开你的机器。我们不使用广告或分析追踪器。网页版把会话令牌与语言选择存在浏览器本地存储里。
数据在哪里
记分服务器运行在 Microsoft Azure 加拿大中部区域。支付数据在 Stripe。每日证据文件（预报与快照的哈希，不含个人数据）发布到公开的 GitHub 仓库。
你的权利
你可以随时要求删除账号与存档的邮箱，写信至 support@onepbdc.com。已发出的预报以数字账号留在封存记录中。你也可以询问我们持有你的哪些数据。
退款政策
- 随时取消。已付周期结束前访问照常。取消后不按比例退还当月或当年剩余部分。
- 计费错误全额退：重复扣款、取消生效后的扣款、或你未选择的套餐。请在扣款后 60 天内联系我们。
- 年付套餐：首次年付后 14 天内取消且未使用付费功能的，全额退款。
- 你所在国家的法律给你更强的权利时，以法律为准。
退款经 Stripe 原路退回，通常 5 到 10 个工作日到账。
数据许可
数据包含三类材料，许可各不相同，应用的「关于」页有全文：
- 来自 SEC 申报的原始字段（XBRL 财务数据、披露日、Form 4、13F、众议院 PTR、分部数据、8-K 与 AAER 事件锚）属美国政府作品或公开申报内容，为公有领域（17 U.S.C. § 105），可自由使用、复制与再分发。
- Assay 加工的内容（诊断、处方、预报、叙述）许可个人与内部使用，不得转售或再分发。
- 软件本身为专有软件，不得再分发。第三方组件及其许可在应用内列出。
行情数据来自第三方供应商，不再分发，预警判据也从不使用它。
联系方式
Home 7 Inc.
1022 Wyandotte St E, Windsor, ON N9A 3K2, Canada
支持：support@onepbdc.com
数据与发布：github.com/wr169/assay-data
支持邮件两个工作日内回复。