Terms of Service

Welcome to The IPO Radar ("Service"), operated by Crossroads Consulting LLC, doing business as The IPO Radar ("Company," "we," "us," or "our"). The Company is a limited liability company registered in the Commonwealth of Puerto Rico.

By creating an account or using the Service at theiporadar.com, you ("Subscriber," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and a resident of the United States to use the Service. By creating an account, you represent and warrant that you are at least 18 years of age, that you are a US resident, and that you have the legal capacity to enter into these Terms. We reserve the right to terminate accounts that do not meet these eligibility requirements.

2. Description of the Service

The IPO Radar is an information service that monitors public filings on the U.S. Securities and Exchange Commission's EDGAR database and delivers automated alerts when newly-filing IPO companies match your stated investment thesis. We use artificial intelligence ("AI") — including third-party AI providers — to parse your thesis and extract structured data from SEC filings.

Best-efforts basis. The Service is provided on a commercially reasonable, best-efforts basis. AI technology is inherently probabilistic and imperfect. We do not and cannot guarantee that the Service will identify, match, or alert you to every company that may be relevant to your investment thesis. Filings may be missed, misclassified, or incorrectly matched. You acknowledge that no automated system — and no AI-powered system in particular — is capable of perfect accuracy, recall, or completeness.

The Service is not investment advice. We are not a registered investment advisor, broker-dealer, or financial services firm. We do not place trades, custody assets, or provide personalized financial advice. All alerts are informational summaries of public SEC filings and are provided for general informational purposes only. No alert, summary, match, or any other output of the Service constitutes a recommendation to buy, sell, or hold any security or to adopt any investment strategy. You are solely responsible for your own investment decisions, and any decision you make based in whole or in part on information provided by the Service is made at your own risk. See Section 11 (Disclaimers) for additional detail.

3. Accounts

3.1 Registration

You create an account using your email address. We use passwordless "magic link" authentication — no traditional passwords are stored.

3.2 Account Restrictions

Accounts are for individual use only. You may not share your account credentials or magic link access with any other person. Accounts are non-transferable. We reserve the right to suspend or terminate any account we reasonably believe is being shared or misused.

3.3 Account Security

You are responsible for maintaining the security of the email account associated with your subscription. You agree to notify us immediately at support@theiporadar.com if you believe your account has been accessed without your authorization.

4. Subscription Plans and Pricing

4.1 Plans

We offer multiple subscription tiers with monthly and annual billing options. Current plan details and pricing are listed on our website at theiporadar.com. Feature differences between plans are described on the website and may change from time to time.

4.2 Billing

All payments are processed by Stripe. We never see or store your payment card information. Subscriptions automatically renew at the end of each billing period (monthly or annual) unless cancelled before the renewal date.

4.3 Price Changes

We reserve the right to change subscription pricing. If we do, we will provide you with at least 30 days' prior written notice (via email or through the Service). The new price will take effect at the start of your next billing cycle after the notice period. If you do not agree with the new pricing, you may cancel your subscription before the new price takes effect.

4.4 Free Trials and Promotions

We may, at our sole discretion, offer free trials, promotional pricing, or coupon codes. Unless otherwise stated, free trials automatically convert to a paid subscription at the applicable plan rate at the end of the trial period unless you cancel before the trial expires. Promotional offers are subject to these Terms and any additional terms stated at the time of the offer.

5. Cancellation and Refunds

5.1 How to Cancel

You may cancel your subscription at any time through the Stripe customer portal, accessible from your account dashboard. Cancellation takes effect at the end of your current billing period — you will retain access to the Service until then.

5.2 No Refunds

All subscription fees are non-refundable. When you cancel, you will not receive a refund or credit for any unused portion of your current billing period, whether monthly or annual. By subscribing, you acknowledge and agree to this no-refund policy.

5.3 Our Right to Terminate

We reserve the right to suspend or terminate your account at any time, with or without cause, and with or without notice. If we terminate your account without cause, we will provide a pro-rata refund for any prepaid, unused portion of your subscription. If we terminate your account for violation of these Terms, no refund will be issued.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
• Attempt to reverse-engineer, decompile, or extract the source code or algorithms of the Service.
• Scrape, crawl, or use automated tools to extract data from the Service beyond the alerts delivered to you.
• Redistribute, resell, or sublicense alerts or any content from the Service to third parties.
• Interfere with or disrupt the integrity or performance of the Service.
• Attempt to gain unauthorized access to any portion of the Service or its related systems.

We reserve the right to suspend or terminate your account for any violation of this section.

7. Intellectual Property

All content, features, and functionality of the Service — including but not limited to text, software, algorithms, designs, and trademarks — are owned by the Company or its licensors and are protected by applicable intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial investment research purposes only.

SEC filings themselves are public domain U.S. government documents. Our summaries, analyses, matching algorithms, and alert formatting are proprietary.

8. Third-Party Services

The Service relies on third-party services, including but not limited to: payment processors (such as Stripe), email delivery providers (such as SendGrid), messaging platforms (such as Telegram), and artificial intelligence providers for thesis parsing and filing analysis. We may add, remove, or replace third-party providers at any time without prior notice. Your use of any third-party service accessed through the Service is subject to that provider's own terms of service and privacy policy. We are not responsible for the acts, omissions, availability, or performance of any third-party service provider.

9. Delivery Channels and Communications

9.1 Email as Default

By creating an account, you consent to receive emails from the Service at the email address you provide. This includes alert notifications, transactional messages (such as sign-in magic links and welcome emails), and service-related communications (such as billing confirmations, policy updates, and product announcements). Alert emails are a core function of the Service, not marketing communications. You may disable alert emails from your account dashboard, but transactional and service-related emails are necessary for the operation of your account and cannot be opted out of while your account is active.

9.2 Telegram

You may optionally connect Telegram as an additional delivery channel. Telegram delivery is supplementary and does not replace email for transactional communications. You may disconnect Telegram at any time from your account dashboard or by sending /unsubscribe to our bot.

9.3 No Delivery Guarantee

We rely on third-party infrastructure for all message delivery and cannot guarantee that every alert or notification will be delivered successfully, completely, or without delay. Messages may be delayed, filtered, or blocked by email providers, messaging platforms, or network conditions outside our control. Failure to receive any alert, notification, or communication — whether due to technical failure, third-party service disruption, AI processing error, or any other cause — does not constitute a breach of these Terms, does not give rise to any claim against the Company, and shall not be a basis for a refund.

10. Investment Thesis and Aggregate Data

Your investment thesis is a free-form text description you provide to the Service. You are solely responsible for the accuracy and completeness of your thesis. We process your thesis using artificial intelligence to match you with relevant filings; we do not review, validate, or endorse the investment strategy described in your thesis.

Aggregate analytics. We may use thesis data in aggregated, de-identified form — meaning data that cannot reasonably be used to identify any individual subscriber — to generate analytics, produce features such as trending investment themes, improve our matching algorithms, and enhance the Service. We do not sell individual thesis data or share personally identifiable thesis information with third parties for their own purposes.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

AI LIMITATIONS. THE SERVICE RELIES ON ARTIFICIAL INTELLIGENCE TECHNOLOGY THAT IS INHERENTLY PROBABILISTIC AND SUBJECT TO ERROR. AI MODELS MAY PRODUCE INACCURATE, INCOMPLETE, OR MISLEADING OUTPUTS, INCLUDING BUT NOT LIMITED TO: MISCLASSIFYING A COMPANY'S BUSINESS MODEL OR SECTOR; FAILING TO IDENTIFY A COMPANY THAT MATCHES YOUR THESIS; INCORRECTLY MATCHING A COMPANY THAT DOES NOT ALIGN WITH YOUR THESIS; OR GENERATING SUMMARIES THAT OMIT MATERIAL INFORMATION FROM THE UNDERLYING SEC FILING. YOU ACKNOWLEDGE AND ACCEPT THESE LIMITATIONS AS AN INHERENT CHARACTERISTIC OF THIS SERVICE.

NO SERVICE LEVEL AGREEMENT. WE DO NOT OFFER ANY SERVICE LEVEL AGREEMENT OR UPTIME GUARANTEE. THE SERVICE MAY EXPERIENCE DOWNTIME, INTERRUPTIONS, DELAYS, OR ERRORS AT ANY TIME, INCLUDING DURING PERIODS WHEN NEW IPO FILINGS ARE BEING PUBLISHED. WE ARE NOT OBLIGATED TO PROVIDE ADVANCE NOTICE OF PLANNED OR UNPLANNED DOWNTIME. MISSED, DELAYED, OR FAILED ALERTS — REGARDLESS OF CAUSE — DO NOT ENTITLE YOU TO ANY REFUND, CREDIT, OR CLAIM AGAINST THE COMPANY.

WE DO NOT WARRANT THAT: (a) the Service will be uninterrupted, timely, secure, or error-free; (b) the Service will identify every filing that matches your thesis; (c) the results obtained from the Service will be accurate, complete, or reliable; (d) any alerts or summaries will reflect the full content or meaning of the underlying SEC filings; or (e) any company identified by the Service will be a suitable or profitable investment.

INVESTMENT RISK. INVESTING IN IPOS AND NEWLY PUBLIC COMPANIES INVOLVES SIGNIFICANT RISK, INCLUDING THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT. PAST PERFORMANCE OF ANY IPO IS NOT INDICATIVE OF FUTURE RESULTS. THE INFORMATION PROVIDED BY THE SERVICE IS NOT A SUBSTITUTE FOR INDEPENDENT RESEARCH AND PROFESSIONAL FINANCIAL ADVICE. YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN INVESTMENT DECISIONS, AND ANY DECISION YOU MAKE BASED IN WHOLE OR IN PART ON INFORMATION OR ALERTS PROVIDED BY THE SERVICE IS MADE ENTIRELY AT YOUR OWN RISK. THE COMPANY SHALL HAVE NO LIABILITY WHATSOEVER FOR ANY INVESTMENT LOSSES YOU MAY INCUR.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, members, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your use of the Service; (b) your violation of these Terms; (c) your investment decisions made in connection with alerts received through the Service; or (d) your violation of any applicable law or regulation.

14. Dispute Resolution

14.1 Informal Resolution

Before initiating any formal proceeding, you agree to contact us at support@theiporadar.com and attempt in good faith to resolve the dispute informally for at least 30 days.

14.2 Binding Arbitration

If we cannot resolve a dispute informally, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall be conducted in San Juan, Puerto Rico, or at another mutually agreed location, by a single arbitrator.

14.3 Class Action Waiver

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

14.4 Exceptions

Either party may bring an individual action in small claims court for claims within that court's jurisdiction. Either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Puerto Rico, without regard to its conflict-of-law provisions. To the extent that litigation is permitted under these Terms, you consent to the exclusive jurisdiction and venue of the federal and Commonwealth courts located in San Juan, Puerto Rico.

16. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Service at least 15 days before the changes take effect. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must cancel your subscription and stop using the Service before the changes take effect.

17. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements and understandings.

19. Contact

If you have any questions about these Terms, contact us at:

Crossroads Consulting LLC, d/b/a The IPO Radar
1413 Ave Ponce de Leon, STE 401
San Juan, PR 00907

Email: support@theiporadar.com