Terms of Service

InsiderWatch (“we,” “us,” “our”) is an informational alert service. We monitor public government and market sources, including SEC filings (Form 4 insider transactions, Schedule 13D/G stake disclosures, and 13F holdings reports), congressional STOCK Act disclosures, federal agency actions, Pentagon contract awards, and press wires. We use AI (large language models) to identify and summarize potentially market-moving events, and we deliver graded alerts by email and Telegram, with mobile and web push delivery where enabled.

Pro members also receive access to a research dashboard, including a congress trading tracker, hedge fund positions, insider activity, and per-stock research. We also publish free public pages (stock and politician pages, the track record, the methodology) and a free weekly email digest, and we post public filing data on our social media accounts. These terms cover all of it.

Alerts are machine-generated. They may contain errors, and they are not individually reviewed by a human before delivery. See the Not Investment Advice and Disclaimers of Warranty sections for the limits that follow from that.

Beta. InsiderWatch is an early-stage service under active development. Sources, event classes, grading rules, delivery rules, and dashboard features change frequently, and some are added or removed without notice. We label material rule changes on the Methodology page, but you should expect the service to evolve while you use it.

You must be at least 18 years old to subscribe to or use InsiderWatch. By subscribing, you represent and warrant that you meet this age requirement and have the legal capacity to enter into a binding agreement. We do not knowingly provide services to anyone under 18.

The service is offered from the United States. If you use it from elsewhere, you are responsible for complying with the laws of your own jurisdiction, including any securities, data, and consumer laws that apply to you, and you may not use the service where it is prohibited or where you are subject to US sanctions.

• One account per person. Do not create multiple accounts or share an account.
• Provide accurate registration information and keep it current.
• Keep your login credentials secure and confidential.
• You are responsible for all activity that occurs under your account.
• Tell us promptly at support@insiderwatch.ai if you believe your account or manage link has been compromised.

InsiderWatch is strictly an informational service. Nothing we provide, on the site, in alerts, in the digest, in the dashboard, or on our social accounts, constitutes financial, investment, legal, or tax advice, or an offer or solicitation to buy or sell any security. Alerts are based on publicly available information and are provided for informational purposes only.

InsiderWatch is not a registered investment adviser, broker-dealer, or fiduciary. Your use of the service does not create an advisory or fiduciary relationship of any kind. We do not make recommendations tailored to you or your circumstances, and a directional grade on an alert (bullish, bearish, or neutral) is a machine-generated read of a public event, not a recommendation to trade.

Past performance, including any track record or outcomes described on this site, does not guarantee future results. Securities trading involves risk, including the loss of your entire investment. You are solely responsible for your investment decisions. Before acting on any information from InsiderWatch, consult a licensed financial professional.

The hit rates, outcomes, and example returns on the Track Record page, on the dashboard, in the digest, and on our social accounts are hypothetical. They are computed automatically by measuring each alert’s stated direction against later closing prices, using the rules described on the Methodology page. They are not the results of actual trading by us or anyone else.

• They exclude commissions, spreads, slippage, taxes, and the price you would actually have obtained. A real trade placed after an alert can do worse than the measured outcome.
• The sending rules change as the service develops. The published hit rate counts the calls our current rules make; alerts sent under rules we have since retired remain in the ledger but are not counted. Closed outcomes are never re-graded, with one disclosed exception: a one-time grading reset during the beta period, described on the Methodology page.
• Misses are included in the published record; a highlight of wins on a marketing surface is not the whole record, and the full ledger is always on the Track Record page.
• Nothing in any of these numbers is a promise, projection, or guarantee of what you could have earned or will earn.

InsiderWatch offers two plans, each available with monthly or annual billing:

• Watchlist: $6 per month, or $60 per year billed annually.
• Pro: $15 per month, or $144 per year billed annually.

Prices are in US dollars. Where we are legally required to collect sales tax, VAT, or a similar tax, it is shown and added at checkout.

Every new subscription starts with a 7-day free trial. A valid payment method is required at sign-up, but you are not charged during the trial. When the trial ends, the payment method on file is charged automatically at the rate and billing period you chose at sign-up, unless you cancel first. Stripe, our payment processor, sends a reminder email before the trial converts to a paid subscription. The trial is offered once per email address. If you check out again with an email address that already has a subscription, the new checkout replaces that subscription rather than creating a second one; we reserve the right to decline a checkout we cannot process for that reason.

Auto-renewal disclosure: subscriptions are recurring. After the trial, your subscription automatically renews at the end of each billing period (monthly or annual, per the option you chose) at the then-current price, until you cancel. We will give active subscribers at least 30 days’ notice before a price change applies to them.

Failed payments: if a renewal charge fails, Stripe retries it and may email you to update your payment method. If it keeps failing, your subscription may be cancelled and alert delivery stops; you can resubscribe at any time.

• Payments are processed by Stripe. By subscribing, you agree to Stripe’s terms.
• One active subscription per email address.
• Promotion codes may be offered from time to time and can be modified or withdrawn at any time.

You may cancel at any time: with one click in the dashboard (Billing tab), through the Stripe billing portal linked in your subscription emails, or by emailing support@insiderwatch.ai. Cancellation takes effect at the end of the current billing period, and you retain access until then.

We do not offer refunds for partial billing periods. Nothing in these terms waives any non-waivable statutory refund rights you have in your jurisdiction, including any statutory cooling-off right for consumers outside the United States.

California residents: under California Business and Professions Code §17600-17606, you have the right to cancel your subscription at any time. Instructions to cancel are provided in your subscription confirmation email and are available at any time by contacting us.

The weekly digest is a free email that requires no account and no payment method. You subscribe by entering an email address and clicking the confirmation link we send to it; nothing is sent to an address that has not confirmed. Every digest carries a one-click unsubscribe link, and unsubscribing takes effect immediately.

The digest is built from the same public data and the same graded alerts as the rest of the service, and every disclaimer in these terms applies to it. We may change its content, frequency, or format, skip a week with nothing to report, or discontinue it at any time.

Alerts are delivered by email (sent through Resend) and, if you choose to connect one, to a Telegram chat. Mobile and web push delivery is available where enabled. A Discord mirror of alerts may also operate for community distribution.

Telegram delivery is off by default and is enabled only when you open the connect link from your own dashboard and start the chat. Connecting is optional and is not a condition of subscribing or of any purchase. To disconnect, send /stop in the chat or use Disconnect in your dashboard settings. Disconnecting does not cancel your subscription, and email alerts continue.

Signal API, MCP server and webhooks (Pro). You may create one API key, register one HTTPS endpoint, and connect AI assistants or other apps through our sign-in flow, for your own account. Alerts you are entitled to, the published record, and the public filings the service captures are then available to that key, endpoint or app in the same impersonal form every entitled subscriber receives; nothing widens what your plan already covers. You are responsible for the endpoint and for any software, assistant or agent you connect, including anything it does with the information and any orders it places: we never place orders, hold brokerage credentials, or take your holdings as an input, and no tool of ours will. Keys and app connections are personal and revocable by you at any time from your dashboard; sharing a key ends access. Webhook delivery is at-least-once and may be retried, delayed, or paused after repeated failures.

Programmatic use is research use. Everything the API, the MCP server and the webhooks return is licensed to you for your own personal, non-commercial research, on the terms in Acceptable Use below. In particular you may not redistribute, resell, sublicense, publish or display the feed or the filings data to third parties, whether raw or repackaged; use them to build, train, evaluate or operate a competing product, model or dataset; present our alerts, grades or record as your own or as a recommendation; or exceed the published rate limits or work around them with multiple accounts or keys. Rows returned by the data endpoints are our capture of public filings, provided as-is: the filing on sec.gov or the disclosure portal is the authoritative record and may differ. The API and its limits, endpoints, tools and fields may change or be withdrawn with reasonable notice on the docs page, and access may be suspended without notice where we reasonably believe these terms are being breached or the service is being harmed. Third-party assistants you connect are governed by their own terms and privacy practices; what they retain or do with the information is between you and them.

Delivery depends on third-party networks (email providers, Telegram, push services) and is not guaranteed. We are not liable for delayed or undelivered messages caused by spam filtering, network issues, or third-party outages outside our control.

No promise of volume or coverage. We send an alert only when an event clears our relevance and confidence thresholds, and we deliberately hold or combine some alerts (for example, routine insider buys are batched into a digest, and alerts whose direction fails a quality gate ship without a call or not at all). We do not promise any number of alerts, that any particular event or filing will be caught, or that an alert will arrive before the market has moved. Our public sources can lag, go offline, or publish errors, and so can we.

The service is provided for your personal, non-commercial research use. You agree not to:

• Resell, redistribute, or sublicense alerts or alert content to third parties.
• Scrape, crawl, or use bots or automated tools to access the site, the dashboard, or our data endpoints, or systematically extract or republish alert or dashboard content.
• Use alerts or dashboard data to operate a competing service or to train a model.
• Circumvent rate limits, access controls, plan limits, or any other technical measure, or reverse engineer any part of the service.
• Misrepresent our alerts as investment advice or as non-public information.
• Present our alerts, grades, or track record as your own, or imply that we endorse you or your trading.
• Attempt to access our systems beyond your authorized account.
• Use the service to violate securities laws. Trading on material non-public information is illegal. All InsiderWatch data comes from public sources.

If you send us ideas, suggestions, or feedback about the service, we may use them without any obligation to you.

The filings, disclosures, prices, and other data behind the service come from government agencies, exchanges, and market data providers. We reproduce them as published; we do not verify every record, and an error or delay at the source flows through to us. Links to outside sites are provided for convenience, and we are not responsible for their content.

Our comparison pages describe other services using facts read from those services’ own public pages on the dates stated on each page. Prices and features change, and we correct a page when we learn it is out of date. Third-party product names and logos are the trademarks of their respective owners, who are not affiliated with InsiderWatch and do not endorse it.

Our AI-generated summaries, alert grading, site design, and brand are the intellectual property of InsiderWatch. The underlying public information (government filings, disclosures, press releases) belongs to its respective sources and remains public. We grant you a limited, revocable, non-exclusive, non-transferable license to use the service for personal purposes as described in these terms.

If you believe content on this site infringes your copyright, send a notice to support@insiderwatch.ai identifying the material, your contact information, and a statement of your good-faith belief that the use is unauthorized.

The service is provided “as is” and “as available” without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee uptime or uninterrupted delivery. The public data sources we monitor may lag, break, or publish errors, and our AI processing may misclassify or mischaracterize events. We do not warrant that alerts will be timely, accurate, or complete, that any event will be detected, or that the service will be free of errors or interruptions, and we make no representations about the future performance of any security mentioned in an alert.

To the maximum extent permitted by law, InsiderWatch shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, trading losses, or loss of data, including losses arising from investment decisions made based on our alerts, from an alert that was late, wrong, or never sent, or from the acts of third-party services we rely on. Our total liability to you for all claims shall not exceed the greater of the amounts you paid us in the 12 months preceding the claim or $100.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, these limitations apply only to the extent permitted by law.

You agree to indemnify and hold harmless InsiderWatch and its operators from any claims, damages, liabilities, and reasonable expenses (including attorneys’ fees) arising out of your misuse of the service, your violation of these terms, or your violation of any law or the rights of a third party in connection with your use of the service.

We may suspend or terminate your account if you violate these terms or if we reasonably believe your use could expose us to legal liability. You may delete your account at any time in the dashboard (Account tab).

Sections that by their nature should survive termination do survive, including Not Investment Advice, Track Record and Performance Information, Intellectual Property, Disclaimers of Warranty, Limitation of Liability, Indemnification, Governing Law and Disputes, and General.

We may change, add, or discontinue features of the service at any time. We may also update these terms. Material changes will be posted on this page with an updated date, and your continued use of the service after a change constitutes acceptance of the revised terms. If you object to a change, your remedy is to cancel your subscription.

These terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

Informal resolution first: before filing any claim, you agree to email us at support@insiderwatch.ai describing the dispute and to give us 30 days to try to resolve it informally.

If we cannot resolve it informally, any dispute, claim, or controversy arising out of or relating to these terms or the service shall be resolved through binding individual arbitration under the rules of the American Arbitration Association (AAA), except where prohibited by applicable law. The arbitration shall take place in Delaware or via remote proceeding. Either party may instead bring an individual claim in small claims court if it qualifies there.

Arbitration opt-out: you may opt out of this arbitration agreement by emailing support@insiderwatch.ai within 30 days of first accepting these terms, stating that you opt out of arbitration.

Class action waiver: you and InsiderWatch each waive the right to participate in a class action lawsuit or class-wide arbitration. All claims must be brought in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. If this waiver is found unenforceable as to a particular claim, it is severed for that claim only, and the remainder of this section stays in effect.

Except where prohibited by law, you must bring any claim within one (1) year of the date the cause of action arose, or the claim is permanently waived.

• Severability: if any provision of these terms is found unenforceable, the remaining provisions remain in full effect.
• Entire agreement: these terms, together with the Privacy Policy, are the entire agreement between you and InsiderWatch regarding the service.
• Assignment: you may not assign these terms; we may assign them in connection with a merger, acquisition, or sale of the service.
• No waiver: our failure to enforce a provision is not a waiver of our right to enforce it later.
• Force majeure: we are not liable for delays or failures caused by events beyond our reasonable control, including outages at the government and market data sources we rely on.
• Electronic communications: you consent to receive notices from us electronically. We deliver notices to the email address on your account, and an electronic acceptance of these terms (creating an account, subscribing, or continuing to use the service) is as binding as a signature.

For all matters relating to these terms, including legal notices: support@insiderwatch.ai. Privacy questions go to privacy@insiderwatch.ai, and accessibility feedback is covered on the Accessibility page.