Terms of Service

Last updated: August 3, 2026 · Effective: August 3, 2026

1. The agreement

These Terms of Service (the “Terms”) are a binding agreement between you and Riley Wolfenden, an individual doing business as CopySmartMoney (“CopySmartMoney,” “we,” “us”), covering your use of copysmartmoney.com and any related pages, alerts, and services (the “Service”).

By creating an account, subscribing, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you don't agree, don't use the Service.

2. What you are paying for

CopySmartMoney is an information, research, and editorial analysis product. We read financial-disclosure filings that are already public by law, and we publish our own original analysis of them — performance scoring against the S&P 500, rankings, pattern analysis, benchmark comparisons, and written commentary.

The underlying filings come from three public sources:

Congressional Periodic Transaction Reports filed under the STOCK Act
SEC Form 4 filings from corporate insiders (officers, directors, major shareholders)
SEC Schedule 13D/13G beneficial-ownership filings

What a subscription buys, and what it does not

A paid subscription purchases access solely to our own original editorial analysis, research tools, scoring methodology, rankings, benchmark comparisons, and commentary. It does not purchase access to the underlying public disclosure reports themselves.

Those government and SEC filings are public records. They are, and will remain, freely available to everyone through the Service at no charge and without any account, payment, or registration (see Section 7), and they are equally available directly from the government sources that publish them. We claim no ownership of them and we do not sell them.

What we charge for is the work we add on top: the methodology, the analysis, the editorial judgment, and the software tools we built to present them.

3. Not investment advice

The Service is provided solely for general informational and educational purposes.

Nothing on the Service constitutes investment advice, legal advice, tax advice, accounting advice, or financial advice of any kind, and nothing on it is a recommendation, endorsement, offer, or solicitation to buy, sell, or hold any security or to adopt any investment strategy.

We are not a registered investment adviser, broker-dealer, financial planner, or tax professional, and we are not registered with or licensed by the U.S. Securities and Exchange Commission, FINRA, or any state securities regulator.

No fiduciary, advisory, or professional relationship of any kind is created between you and us by your use of the Service, by subscribing, or by any communication between us. We owe you no fiduciary duty, no duty of care in respect of your investments, and no duty of suitability.

Nothing we publish is personalized to you. It does not consider your financial situation, investment objectives, risk tolerance, time horizon, liquidity needs, or tax position, and it should not be relied upon as though it did.

Every score, ranking, and “edge” figure on the Service describes a historical track record. It is not a prediction or a forecast. Past performance is not indicative of and does not guarantee future results. Trading and investing in securities involve substantial risk, including the possible loss of your entire investment.

You are solely responsible for evaluating the merits and risks of any decision you make, and for any resulting outcome. Consult a licensed financial professional, and your own legal and tax advisers, before acting. Nothing here is a substitute for that.

4. Eligibility

You must be at least 18 years old and legally able to enter a contract. The Service is intended for users in the United States; we make no claim that it's appropriate or lawful anywhere else, and if you use it from elsewhere you're responsible for your own local law.

5. Your account

An account is personal to one individual. Don't share your login or let others use it.
Keep your password confidential. You're responsible for what happens under your account.
Give accurate information and keep your email current — that's how we reach you.
The Service permits one active session at a time. Signing in elsewhere ends the earlier session. This is an anti-sharing measure, not a bug.
Tell us promptly at support@copysmartmoney.com if you suspect unauthorized access.

6. Subscription and billing

Payment processing

Payments are handled by Stripe. We never receive or store your card number — it goes directly to Stripe. Your use of Stripe's checkout is also subject to Stripe's own terms.

Automatic renewal

Subscriptions are billed monthly in advance and renew automatically at the then-current rate for your plan until you cancel. By subscribing you authorize us, through Stripe, to charge your payment method on each renewal date.

Cancelling

Cancel any time from your account's billing portal. Cancellation stops future charges and takes effect at the end of your current paid period — you keep access until then.

No refunds

All payments are final and non-refundable, including partial months, unused time, and renewal charges you forgot were coming. If you cancel mid-period you keep access until the period ends, but you are not refunded for the remainder.

This is the entire refund policy. We may issue a discretionary refund in an individual case, and doing so once does not oblige us to do it again. Nothing here waives any refund right you have under applicable law that cannot be waived by agreement.

Price changes

We may change pricing. An existing subscription keeps the price it was created at for as long as it stays continuously active — a price increase applies to new subscribers, not to you. If we ever need to change the price of an existing subscription, we'll give you at least 30 days' notice by email first, and you can cancel before it takes effect. Letting a subscription lapse and restarting it later means the current rate applies.

Failed payments

If a charge fails, Stripe will retry. We may suspend access while a payment is outstanding and may cancel a subscription that stays unpaid.

Taxes

Prices are exclusive of any applicable sales or use tax, which will be added where required.

7. The free public log

We publish a complete, free, publicly accessible log of congressional trade disclosures. It requires no account, no payment, and no registration of any kind, and it contains the full underlying disclosure data.

This is a deliberate and permanent part of how the Service is structured, and it is not a promotional offer that we may withdraw. The public filings themselves stay freely available to everyone; a paid subscription buys only our original editorial analysis and research tools built on top of them, as described in Section 2.

8. Acceptable use

You may use the Service for your own personal research. You may not:

Scrape, crawl, or bulk-download the Service, or use bots, scripts, or automated tools against it. Automated access is rate-limited and logged, and we may block it.
Resell, redistribute, sublicense, or republish our analysis, scores, rankings, or commentary, or build a competing product from them.
Share, resell, or provide access to your account.
Attempt to bypass authentication, payment, rate limits, or any other technical restriction.
Probe, scan, or test the security of the Service, or interfere with its operation.
Reverse-engineer or attempt to derive our scoring methodology or source code.
Use the Service unlawfully, or to harass, defame, or target any individual named in a filing.
Misrepresent our analysis as financial advice, or as yours, to anyone else.

We may suspend or terminate accounts that violate this section, without refund.

9. Data sources and accuracy

We work hard on accuracy, but you need to understand what this data is:

We report what was filed. If a filer made an error, we reproduce that error.
Disclosures are inherently delayed. Congressional PTRs can be filed up to 45 days after a trade, and later still in practice. What you're seeing already happened.
Congressional trades are reported in dollar ranges, not exact amounts. Any figure derived from them is an estimate.
Filings get amended. Our records change when the source changes.
Scores are our own calculations, using our own methodology and assumptions, and depend on third-party price data that may itself contain errors.
Data may be incomplete, delayed, or temporarily unavailable.

We provide all data and analysis “as is,” with no warranty of accuracy, completeness, or timeliness. Verify anything that matters against the original filing before acting on it.

10. Intellectual property

The underlying government and SEC filings are public records and are not owned by anyone.

Everything else — our scoring methodology, rankings, analysis, commentary, written content, design, code, and the CopySmartMoney name and logo — is owned by us and protected by copyright and other laws. Your subscription grants a limited, personal, non-exclusive, non-transferable, revocable licence to view and use that material for your own research. It grants no other rights.

11. Copyright complaints

We respect intellectual property rights. If you believe material on the Service infringes your copyright, send a written notice to our designated agent at support@copysmartmoney.com (subject line: “DMCA Notice”) including:

A physical or electronic signature of the copyright owner or a person authorized to act for them
Identification of the copyrighted work claimed to have been infringed
Identification of the material claimed to be infringing, with enough detail for us to locate it (a URL is ideal)
Your name, mailing address, telephone number, and email address
A statement that you have a good-faith belief the disputed use is not authorized by the copyright owner, its agent, or the law
A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on their behalf

We will remove or disable access to material we determine to be infringing, and we may terminate the accounts of repeat infringers. If you believe your material was removed in error, you may send a counter-notice containing the elements required by 17 U.S.C. § 512(g). Please note that knowingly making a material misrepresentation in a notice or counter-notice can expose you to liability for damages under 17 U.S.C. § 512(f).

12. Third-party services

The Service runs on third-party infrastructure (including Supabase and Stripe) and links to third-party sites such as original SEC and congressional filings and our Discord community. We don't control those services and aren't responsible for them. Your use of them is governed by their own terms.

13. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, secure, or error-free, that data will be accurate, complete, or current, or that any result will be obtained from using it. No advice or information you get from us creates any warranty not stated here.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, TRADING LOSSES, INVESTMENT LOSSES, LOST DATA, OR LOST OPPORTUNITY, arising out of or relating to the Service — whether in contract, tort, or otherwise, and even if we were told such damages were possible.

You are solely responsible for your own investment decisions and their outcomes.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

YOU AND WE AGREE THAT THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION AND IN SECTION 13 ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN US, AND THAT WE WOULD NOT PROVIDE THE SERVICE ON THESE TERMS OR AT THIS PRICE WITHOUT THEM. These limitations apply even if a limited remedy is found to have failed of its essential purpose.

Some jurisdictions don't allow certain exclusions or limitations, so parts of this section may not apply to you. Nothing in these Terms excludes liability that cannot lawfully be excluded.

15. Indemnification

You agree to indemnify and hold harmless Riley Wolfenden, doing business as CopySmartMoney, together with any contractors or agents acting on our behalf, from any claim, loss, liability, or expense (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, your violation of any law or third-party right, or your investment decisions.

16. Force majeure

We are not liable for any delay, interruption, or failure to perform caused by circumstances beyond our reasonable control — including outages or failures of hosting, database, payment, or network providers; interruptions or changes to government or SEC data sources; acts of God; natural disasters; fire; flood; epidemic or pandemic; war; terrorism; civil unrest; labour disputes; cyberattack; power or internet failure; or any change in law or governmental action. Our obligations are suspended for as long as the event continues, and any resulting unavailability of the Service is not a breach of these Terms.

17. Termination

You may stop using the Service and cancel at any time. We may suspend or terminate your access at our discretion — with notice where practical, immediately where a violation of Section 8 or a legal risk is involved. If we terminate you without cause, we'll refund the unused portion of your current period. If we terminate you for violating these Terms, no refund is due.

Sections 3, 9, 10, 11, and 13 through 21 survive termination.

18. Disputes and arbitration

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules.

18.1 Talk to us first

Before starting an arbitration or filing anything in court, contact us at support@copysmartmoney.com with a short description of the dispute and the relief you want, and give us 30 days to resolve it informally. Most disputes can be sorted out this way, and this step is a precondition to bringing a claim.

18.2 Agreement to arbitrate

Read this section carefully — it affects your legal rights, including your right to sue in court and to have a jury trial.

Except for the claims described in Section 18.4, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service — whether in contract, tort, statute, fraud, misrepresentation, or any other legal theory — will be resolved exclusively by final and binding individual arbitration, and not in court.

This arbitration agreement is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1–16, which governs its interpretation and enforcement. It survives termination of these Terms.

18.3 How arbitration works

The arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in effect when the arbitration is commenced, as modified by this section. The rules and filing forms are available at www.adr.org.

The arbitration will be conducted by a single arbitrator.
It will be held remotely by video or telephone, or decided on written submissions, unless the arbitrator determines an in-person hearing is necessary; any in-person hearing will take place in the county where you live or another mutually agreed location.
The arbitrator may award any relief a court could award to you individually, and must give a reasoned written decision.
Payment of filing, administration, and arbitrator fees is governed by the AAA Consumer Arbitration Rules. Where those rules require you to pay a filing fee greater than the fee to file suit in court, we will pay the difference if you ask us to.
Judgment on the award may be entered in any court of competent jurisdiction.

18.4 What is excluded from arbitration

Notwithstanding Section 18.2:

Small claims. Either of us may bring an individual claim in a small claims court with jurisdiction, instead of arbitration, so long as it stays in that court and on an individual basis.
Injunctive relief for intellectual property. Either of us may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual-property or proprietary rights, or unauthorized access to the Service.

18.5 Class-action and jury-trial waivers

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

YOU AND WE EACH WAIVE ANY RIGHT TO A TRIAL BY JURY for any dispute covered by this section.

18.6 Your right to opt out

You may opt out of this arbitration agreement (Sections 18.2 through 18.5) within 30 days of first accepting these Terms. To do so, email support@copysmartmoney.com with the subject line “Arbitration Opt-Out,” stating your name, the email address on your account, and that you are opting out. Opting out costs nothing, will not affect your subscription or your use of the Service in any way, and means Section 18.7 governs your disputes instead. If you don't opt out within 30 days, you agree to arbitrate as set out above.

18.7 If arbitration doesn't apply

If you opt out, if a claim falls within Section 18.4, or if the arbitration agreement is held unenforceable as to a particular dispute, that dispute will be brought exclusively in the state or federal courts located in Delaware, and you and we consent to personal jurisdiction and venue there.

18.8 Severability within this section

If any part of this Section 18 is found unenforceable, the remainder stays in effect — except that if the class-action waiver in Section 18.5 is found unenforceable as to a particular claim, then that claim (and only that claim) must be brought in court under Section 18.7, and the rest of this Section 18 continues to apply to all other claims.

19. Assignment

You may not assign or transfer these Terms, or any rights or obligations under them, without our prior written consent; any attempt to do so is void. We may assign or transfer these Terms, in whole or in part, without restriction or notice — including to an affiliate, to a successor entity (such as a limited liability company we later form to operate the Service), or in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets. These Terms bind and benefit the parties and their permitted successors and assigns.

20. Changes to these terms

We may update these Terms. If a change is material, we'll give notice by email or an in-app notice at least 30 days before it takes effect. Continuing to use the Service after that means you accept the new Terms. If you don't accept them, cancel before the effective date.

21. General provisions

Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service, and supersede any prior understanding on the same subject.

Severability and reformation. If any provision of these Terms is held invalid, illegal, or unenforceable, it will be modified only to the minimum extent necessary to make it valid, legal, and enforceable while preserving its intent as closely as possible; if it cannot be so modified, it will be severed. In either case the remaining provisions stay in full force and effect.

No waiver. Our failure or delay in enforcing any provision is not a waiver of it, and no single or partial exercise of a right prevents any further exercise of that or any other right.

No third-party beneficiaries. These Terms create no rights in anyone other than you and us.

Relationship. Nothing in these Terms creates a partnership, joint venture, agency, employment, or — as stated in Section 3 — fiduciary relationship between us.

Notices. We may give you notice by email to the address on your account or by posting on the Service. You give us notice at support@copysmartmoney.com.

Headings. Section headings are for convenience only and don't affect interpretation.

22. Contact

CopySmartMoney
Email: support@copysmartmoney.com