Terms of Service

Effective Date: March 23, 2026  |  Last Updated: March 23, 2026  |  Governing Law: State of Georgia, USA

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Guerilla Finance Inc., a Georgia limited liability company ("DilutionWatch," "we," "us," or "our"), governing your access to and use of the DilutionWatch platform, website at dilutionwatch.com, APIs, alerts, and all related services (collectively, the "Service").

BY ACCESSING OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SERVICE.

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1. Financial Disclaimer — NOT Investment Advice

DilutionWatch monitors publicly available SEC filings and provides automated alerts, analytical scores, and data summaries. These outputs are tools for research only. Past patterns observed in SEC filings are not indicative of future stock performance. All investments carry risk, including the potential loss of your entire principal investment.

You should conduct your own due diligence and, where appropriate, consult a licensed and qualified financial advisor before making any investment decision. DilutionWatch is not a substitute for professional financial advice.

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2. SEC/FINRA Regulatory Disclosure

Guerilla Finance Inc. and DilutionWatch are not registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser, broker-dealer, or any other regulated entity under the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, or any applicable state securities laws. DilutionWatch is not a member of FINRA (Financial Industry Regulatory Authority).

We do not provide personalized investment recommendations, manage client assets, execute securities transactions, or hold client funds. Our Service is solely a data aggregation and alert notification platform based on publicly available regulatory filings.

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3. Eligibility and Account Registration

You must be at least 18 years of age and have the legal capacity to enter into a binding contract to use the Service. By creating an account, you represent and warrant that:

• You are at least 18 years old;
• The information you provide during registration is accurate and complete;
• You will maintain the accuracy of your account information;
• Your use of the Service does not violate any applicable law or regulation;
• You are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at admin@dilutionwatch.com of any unauthorized access.

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4. Subscription, Billing, and Cancellation

DilutionWatch offers both free and paid subscription tiers. Paid subscriptions are billed on a recurring basis (monthly or annually, as selected) through our payment processor, Stripe. By subscribing to a paid tier, you authorize us to charge your designated payment method on a recurring basis until cancelled.

Cancellation: You may cancel your subscription at any time through your account dashboard. Cancellation takes effect at the end of the current billing period; no partial refunds are issued for unused time in the current period, except as required by applicable law.

Refund Policy: Refund requests must be submitted within 7 days of initial purchase. Refunds for renewals are handled on a case-by-case basis. Contact admin@dilutionwatch.com for refund inquiries.

We reserve the right to modify pricing with at least 30 days' written notice. Continued use after a price change constitutes acceptance of the new pricing.

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5. Proprietary Data and Intellectual Property

All content, data, features, and functionality of the Service — including but not limited to the DilutionScore™ methodology, scoring algorithms, proprietary data models, filing analysis frameworks, visual design, software code, trademarks, logos, and documentation — are the exclusive intellectual property of Guerilla Finance Inc. and are protected by United States and international copyright, trademark, patent, and trade secret laws.

The DilutionScore™ methodology is a proprietary analytical framework. You acknowledge that this methodology constitutes a trade secret and confidential business information of Guerilla Finance Inc.. Reverse engineering, replicating, or distributing this methodology is strictly prohibited.

Your subscription grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes only. You may not:

• Copy, modify, distribute, sell, or sublicense any content from the Service;
• Scrape, crawl, spider, or otherwise extract data from the Service by automated means;
• Reproduce or republish DilutionScore ratings or our proprietary analysis on any third-party platform without express written consent;
• Use the Service's data feeds or APIs to build competing products or services;
• Remove any proprietary notices or labels from the Service.

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6. Acceptable Use and User Conduct

By using the Service, you agree that you will not:

• Use information from the Service to engage in market manipulation, front-running, coordinated trading schemes, or any activity that violates securities laws;
• Use automated scripts, bots, scrapers, or crawlers to access, monitor, or copy any part of the Service;
• Attempt to gain unauthorized access to any portion of the Service, user accounts, or backend systems;
• Introduce viruses, worms, malicious code, or any technology that may harm the Service;
• Circumvent, disable, or otherwise interfere with security features of the Service;
• Use the Service in any manner that could damage, disable, overburden, or impair our infrastructure;
• Use the Service to harass, abuse, or harm any person;
• Violate any applicable local, state, national, or international law.

We reserve the right to investigate and prosecute violations of the above to the fullest extent of the law. We may cooperate with law enforcement in prosecuting users who violate applicable law.

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7. AI-Assisted Content Disclosure

Some content on the DilutionWatch platform — including analytical summaries, filing interpretations, and educational articles — may be generated or augmented with the assistance of artificial intelligence tools. While we review AI-assisted content for accuracy and quality, AI-generated content may contain errors, omissions, or inaccuracies.

AI-assisted content does not constitute professional financial, legal, or investment advice. You should not rely on AI-generated summaries as a definitive interpretation of SEC filings or as the basis for investment decisions. Always consult the original source documents and qualified professionals.

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8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GUERILLA FINANCE LLC, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
• LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR ANTICIPATED SAVINGS;
• INVESTMENT LOSSES OR TRADING LOSSES OF ANY KIND;
• DAMAGES RESULTING FROM YOUR RELIANCE ON ANY INFORMATION PROVIDED BY THE SERVICE;

EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

AGGREGATE LIABILITY CAP: OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO US DURING THE THREE (3) CALENDAR MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY U.S. DOLLARS ($50.00).

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

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9. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS.

We do not warrant that: (a) the Service will meet your requirements; (b) alerts will be delivered in a timely manner; (c) data obtained from SEC EDGAR or other third-party sources will be accurate, complete, or current; or (d) any errors in the Service will be corrected.

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10. Indemnification

You agree to indemnify, defend, and hold harmless Guerilla Finance Inc. and its members, managers, officers, employees, affiliates, and agents from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms; (b) your use of the Service; (c) your violation of any third-party right, including any intellectual property right; or (d) any content you submit or transmit through the Service.

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11. Privacy and Data

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy.

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12. GDPR and CCPA Rights

For Users in the European Economic Area (EEA) and United Kingdom: To the extent applicable, you have rights under the General Data Protection Regulation (GDPR) including the right to access, rectify, erase, restrict processing of, and port your personal data. You also have the right to object to processing and to lodge a complaint with a supervisory authority.

For California Residents: Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), you have the right to: (a) know what personal information we collect, use, disclose, or sell; (b) delete personal information we have collected about you; (c) opt out of the sale or sharing of your personal information; (d) non-discrimination for exercising your rights; and (e) correct inaccurate personal information.

To exercise any of these rights, submit a request to admin@dilutionwatch.com. We will respond within 30 days (or 45 days for complex requests).

We do not sell personal data to third parties for monetary consideration.

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13. Termination

We may suspend or terminate your account and access to the Service at any time, with or without notice, for any reason, including if we reasonably believe you have violated these Terms. Upon termination, your right to use the Service ceases immediately.

Provisions of these Terms that by their nature should survive termination shall survive, including without limitation: Sections 5 (Intellectual Property), 7 (AI Disclosure), 8 (Limitation of Liability), 9 (Warranty Disclaimer), 10 (Indemnification), and 14 (Governing Law).

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14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the state and federal courts located in Fulton County, Georgia. You consent to the personal jurisdiction of such courts.

Informal Resolution: Before initiating any formal legal proceeding, you agree to attempt informal resolution by contacting us at admin@dilutionwatch.com and giving us 30 days to resolve the issue.

Class Action Waiver: To the extent permitted by applicable law, you agree that any claim shall be brought on an individual basis only, and not as part of a class action, collective action, or representative proceeding.

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15. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or prominent notice on the Service at least 14 days before taking effect. Your continued use of the Service after the effective date constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service and cancel your subscription.

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16. Contact Information

Questions, concerns, or notices regarding these Terms should be directed to:

Guerilla Finance Inc. (DilutionWatch)
Email: admin@dilutionwatch.com
Website: https://dilutionwatch.com

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