Terms of Service

Published 20 July 2026

These Terms govern your subscription to and use of the Chadwin API and related account services. They form an agreement between you and Chadwin AB. If you use Chadwin on behalf of an organization, you confirm that you are authorized to accept these Terms for that organization.

1. Chadwin and the service

Chadwin provides structured data derived primarily from public filings and other information published by the U.S. Securities and Exchange Commission. Available datasets, endpoints, and technical behavior are described in our documentation and may change as the service develops.

You must be at least 18 years old to buy a Personal subscription. You must provide accurate account information and keep your login and API credentials secure. You are responsible for activity performed with your credentials until you notify us that they may have been compromised.

2. Plan rights

A Personal plan permits you to use the service for your own research and other internal, non-commercial purposes. It does not permit use on behalf of an employer, client, or other business.

A Business plan permits internal business use and use of API results in customer-facing websites, applications, and agents operated as part of your business.

Within your plan rights, you may store, cache, transform, analyze, and display API responses. You may share ordinary research, analysis, and application output produced from the service.

3. Restrictions

You may not:

• share or resell access to your account or API credentials
• redistribute a substantially complete Chadwin dataset as a competing or substitute data service without a separate written agreement
• evade request limits, interfere with the service, probe for vulnerabilities without authorization, or use the service unlawfully
• represent that Chadwin endorses your product, analysis, or investment decisions

4. Subscriptions, billing, and cancellation

Paid plans are billed monthly or annually in advance and renew automatically until canceled. The price, billing interval, currency, taxes, and any discount that apply to your purchase are shown at checkout.

Chadwin uses Stripe Managed Payments. Sold through Link, LLC acts as merchant of record for transactions processed through Managed Payments and provides checkout, receipts, subscription management, and transaction-level support through Link. Chadwin remains the seller and is responsible for the API service, these Terms, and product support.

You can manage or cancel a Sold through Link subscription through your Link account. Ordinary cancellation takes effect at the end of the paid billing period, and access continues until then. We do not provide a prorated refund for an ordinary cancellation, but this does not limit a mandatory legal right or a refund granted by Link or Chadwin.

5. Request allowances

Each plan includes a monthly API request allowance. The allowance is associated with the plan you purchased and resets each month, including when you pay annually. Requests beyond the allowance may be rejected until the next monthly allowance begins or you move to another plan. Shorter technical rate limits may also apply to protect the service from excessive or abusive traffic.

6. Availability and suspension

Chadwin does not provide an uptime service-level agreement. We work to keep the service available, but maintenance, source availability, infrastructure failures, security events, and other operational issues can interrupt or delay it. We may add, change, or remove features and datasets as the service develops.

We may suspend or restrict access when reasonably necessary for non-payment, security, unlawful use, abuse, or a material breach of these Terms. When circumstances permit, we will give you notice and an opportunity to resolve the issue.

7. Source data and no advice

SEC filings and other source materials can be delayed, incomplete, amended, corrected, or removed. Parsing, normalization, identifiers, and links can also contain errors. Chadwin does not guarantee that the service contains every filing or that source or normalized data is accurate, complete, or current.

The service provides information, not investment, legal, tax, or other professional advice. Chadwin does not recommend that you buy, sell, or hold any security. You remain responsible for how you interpret and use the data.

8. Intellectual property

Public facts obtained from SEC filings and other public sources remain public facts. Chadwin and its licensors retain their rights in the service software, documentation, design, brand, and protectable selection, normalization, organization, and compilation of data. Your subscription gives you the limited use rights stated in these Terms; it does not transfer ownership of the service or the Chadwin brand.

9. Consumer withdrawal rights

If you subscribe as a consumer, you may have a statutory right to withdraw from a distance contract within 14 days. You can exercise that right by sending a clear notice to support@chadwin.co. Sold through Link customers may also use Link purchase support for transaction, cancellation, and refund requests. These support paths do not limit any refund, withdrawal, or other remedy available under applicable consumer law.

10. Liability

Nothing in these Terms limits mandatory consumer rights or liability that cannot lawfully be limited. If you are a consumer, applicable law governs your remedies if the service is defective or not supplied as agreed.

If you use the service for business purposes, Chadwin is not liable for indirect or consequential loss, loss of profit, revenue, business, goodwill, or anticipated savings, or loss arising from a decision made using the service. Chadwin's total liability arising from the service or these Terms is limited to the fees you paid for the service during the 12 months preceding the event giving rise to the claim. This limitation does not apply where liability cannot lawfully be limited.

11. Ending the agreement

You may end the agreement by canceling your subscription. Your right to use the service ends when the paid subscription period ends, unless a mandatory withdrawal or termination right applies earlier.

We may terminate the agreement for a material breach that you do not remedy within a reasonable time after notice, or immediately where the breach cannot be remedied, continued access would be unlawful, or urgent action is reasonably necessary to protect the service or others.

12. Changes to these Terms and the service

We will give at least 30 days' notice before a materially adverse change to these Terms or your subscription price takes effect. We may make an earlier change when reasonably necessary to comply with law, address a security risk, or prevent abuse. We will explain the effective date and any action available to you when we give notice.

These replacement Terms apply immediately to subscriptions started on or after 20 July 2026.

13. Privacy

Our Privacy Policy explains how Chadwin processes personal data. Stripe and Sold through Link process payment and transaction data under their own notices and terms.

14. Governing law and disputes

These Terms are governed by Swedish law. If you are a consumer, this choice does not deprive you of mandatory protections or venue rights under the law that would otherwise apply to you. You may ask Sweden'sNational Board for Consumer Disputes (Allmänna reklamationsnämnden, ARN) to review an eligible dispute.

Disputes with business customers are subject to the courts of Sweden, with the Stockholm District Court as the court of first instance.

15. Contact information

Chadwin AB, organization number 559525-6438
Tegelviksgatan 4 B
116 50 Stockholm, Sweden
+46 76 107 00 68
support@chadwin.co