1. Public access
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2. Commercial use requires written permission
Written permission is required for any commercial use, including but not limited to:
- Redistribution of the documents or any underlying analysis output.
- Bulk extraction of metrics, tables, or scripts.
- Integration into institutional workflows (e.g., investment, lending, audit, advisory, or regulatory pipelines).
- Client-facing use of the corporate A/G framework or any of its outputs.
- Recurring monitoring derived from this work.
- Custom scoring or reporting services built on or referencing the framework.
- Advisory workflows that cite or rely on the framework.
3. Not offered as
- A bankruptcy prediction service.
- Investment advice.
- A credit rating.
- An automated decision system.
- A replacement for credit analysis.
- A production risk model.
This list is not exhaustive. The general rule: anything that implies a per-company decision is outside what the corporate extension claims.
4. Inquiry process
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- Name & organization — who is asking and on whose behalf.
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5. Public-domain components
Public SEC source data remains public. Anyone may independently analyze the same public SEC source data. This site’s derived presentation, scoring artifacts, compiled documentation, and research outputs are not granted for commercial reuse without permission.
Disclaimer
This site and the underlying research documents are provided "as is" with no warranties, express or implied. No representation is made that the analysis is fit for any particular purpose. Anyone relying on the research must perform their own due diligence and obtain independent professional advice before any decision.