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Terms of Service

Last updated: November 11, 2026

1. Acceptance and Eligibility

These Terms of Service ("Terms") constitute a legally binding agreement between you and BankRegReports LLC ("BankRegReports," "we," "us," or "our"). By accessing or using the website at bankregreports.com or any related services (collectively, the "Service"), you accept and agree to be bound by these Terms and our Privacy Policy.

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are 18 or older. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

If you do not agree to these Terms, do not access or use the Service.

2. Modifications

We reserve the right to revise these Terms at any time. We will notify registered users of material changes via email with at least 14 days' notice before the revised Terms take effect. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of the Service after the effective date of revised Terms constitutes your acceptance. If you do not agree to the revised Terms, you must stop using the Service and cancel any active subscription before the effective date.

3. Account and Password

To access most features of the Service you must create an account. You agree to provide accurate, complete, and current information at registration and to keep your account information up to date.

You are responsible for maintaining the confidentiality of your password and for all activity that occurs under your account. You agree to notify us immediately at security@bankregreports.com of any unauthorized use of your account or any other breach of security. We will not be liable for any losses caused by unauthorized use of your account.

You may sign in using your email and password or via Google OAuth. Use of Google Sign-In is subject to Google's terms of service and privacy policy in addition to these Terms.

4. Description of Service

BankRegReports is a web-based platform for accessing, visualizing, and analyzing publicly available U.S. bank regulatory data, including FFIEC Call Report filings and UBPR (Uniform Bank Performance Report) data published by U.S. federal banking regulators. Platform features include:

  • Bank financial dashboards, scorecards, and peer comparisons
  • Loan concentration, capital adequacy, liquidity, and deposit analysis
  • Securities portfolio analysis and rate environment tracking
  • M&A screener and bank failure/acquisition history
  • ML-based risk intelligence scoring
  • Custom peer group construction and peer ranking tools
  • Watchlist with configurable email alerts
  • Bank screener and data export tools

We reserve the right to modify, add, suspend, or discontinue any feature of the Service at any time, with or without notice.

5. Subscriptions and Billing

Plans and Auto-Renewal

Access to paid features requires a paid subscription. Subscriptions are available on a monthly or annual basis as described on our pricing page. Subscriptions automatically renew at the end of each billing period (monthly or yearly, as selected) unless you cancel before the renewal date. By subscribing, you authorize us to charge your payment method on a recurring basis.

Payment Processing

All payments are processed by Stripe, Inc. We do not store your credit card number or payment credentials. Payment transactions are encrypted via SSL. Stripe's handling of payment data is governed by Stripe's Terms of Service and Privacy Policy.

Cancellation

You may cancel your subscription at any time: open Account, choose Manage billing, and cancel there, or contact us. If you cancel during a free trial, your Pro access ends immediately and you are not charged. If you cancel after paying, your Pro access continues to the end of the period you paid for. Cancellation stops future charges but does not generate a refund for the current or any prior billing period, except as stated in our Return & Refund Policy.

Refunds

Except as stated in our Return & Refund Policy, all fees are non-refundable and all sales are final. A first paid purchase of a plan can be refunded in full within 14 days. The first charge after a free trial is not covered. Renewals and later purchases are not refundable. The Service consists of digital products and online services delivered and made available to you immediately upon purchase.

Except where a refund is expressly required by applicable law and cannot be waived, we do not provide refunds, returns, exchanges, credits, or prorated refunds for any reason, including change of mind, dissatisfaction, non-use or under-use of the Service, failure to cancel before an automatic renewal, partial billing periods, or termination of your account for violation of these Terms. Where permitted by law, you consent to immediate performance of the Service and acknowledge that fees are non-refundable for that reason.

Payment Disputes and Chargebacks

If you believe a charge is in error, you agree to contact us first at billing@bankregreports.com so we can resolve it in good faith before initiating any payment dispute.

Initiating a chargeback, payment reversal, or dispute on a valid charge, rather than cancelling through the proper channels, is a breach of these Terms. We reserve the right to suspend or terminate your account immediately, contest the dispute with evidence of your acceptance of these Terms and your use of the Service, and recover the disputed amount together with any associated fees and reasonable costs of collection.

Price Changes

We may change subscription prices. We will give existing subscribers at least 30 days' advance notice via email before a price increase takes effect. Your continued subscription after the notice period constitutes acceptance of the new price.

Taxes

Subscription prices are exclusive of applicable taxes. You are responsible for all taxes, levies, or duties imposed by taxing authorities in your jurisdiction.

6. No Investment Advice

The content and analytics provided through BankRegReports are for informational and research purposes only and do not constitute investment advice, financial advice, trading advice, or any other type of advice. BankRegReports is not a registered investment adviser, broker-dealer, bank, or financial institution. Nothing on the Service should be construed as a recommendation or solicitation to buy, sell, or hold any security, financial instrument, or interest in any bank or financial institution.

BankRegReports is not acting as a fiduciary for any user. The platform aggregates and displays publicly available regulatory data to help users conduct their own research. All investment and financial decisions remain solely your responsibility. You should consult a qualified financial adviser before making any investment decision.

Past financial performance of any bank as reflected in regulatory filings does not guarantee or predict future results. Bank financial conditions can deteriorate rapidly and without warning.

BankRegReports is neither a law firm nor a certified public accounting firm, and nothing on the Service constitutes legal, regulatory, compliance, accounting, or tax advice. Information about regulatory capital ratios, examination ratings, enforcement actions, or other supervisory matters is provided for informational purposes only and is not a substitute for advice from a licensed attorney, CPA, or regulatory compliance professional.

8. Data Accuracy Disclaimer

All bank financial data on the platform is sourced from publicly available regulatory filings submitted to the FFIEC, FDIC, Federal Reserve, and OCC. This data is presented as reported by the submitting institutions and is subject to restatement, revision, or correction by the institutions or regulators at any time.

Data may be lagged, outdated, or otherwise inaccurate due to collection and processing timelines. BankRegReports does not audit, verify, or certify the accuracy of underlying regulatory filings. We expressly disclaim any liability for decisions made in reliance on information displayed through the Service. You should independently verify any data before relying on it for any purpose.

AI and Machine Learning Outputs

The Service's ML-based risk intelligence scores, predictive analysis, and other automated outputs are generated by statistical and machine learning models trained on historical regulatory data. These outputs are probabilistic estimates, not determinations of fact, and may be incomplete, outdated, or wrong.

Models may reflect patterns, gaps, or biases present in the underlying historical data, may not account for information not yet reflected in regulatory filings, and may perform differently across institutions, time periods, or market conditions than they have historically. BankRegReports does not warrant the accuracy, completeness, or predictive reliability of any AI- or ML-generated output, and no such output should be relied upon as the sole basis for any financial, investment, regulatory, or business decision. You are solely responsible for independently evaluating and verifying any AI- or ML-generated output before acting on it.

ML-based risk scores and analytical outputs generated by BankRegReports are statistical models and do not constitute regulatory ratings, supervisory assessments, or findings by any government agency.

9. Intellectual Property

Our Property

The Service, including its design, software, proprietary analytics, scoring methodologies, visual interface, and branding, is owned by BankRegReports LLC and protected by copyright, trademark, and other intellectual property laws. You may use content from the Service for your own personal or internal business research purposes only. You may not reproduce, distribute, publicly display, or create derivative works from our proprietary content without our express written permission.

Public Domain Data

The underlying bank regulatory data (FFIEC Call Reports, UBPR, FDIC statistics) is published by U.S. government agencies and is in the public domain. Nothing in these Terms restricts your right to access that data directly from the government sources.

Your Exports

You retain ownership of reports and exports you generate using the Service. You acknowledge that exported data is derived from public regulatory filings and our platform analytics. You agree not to misrepresent the source or accuracy of any exported data or to use it in a way that violates these Terms.

Feedback

If you submit ideas, suggestions, feature requests, or other feedback about the Service, you grant BankRegReports a perpetual, irrevocable, worldwide, royalty-free, fully transferable license to use, reproduce, modify, and incorporate that feedback into the Service or any other product for any purpose, without any obligation, attribution, or compensation to you.

Community Posts

Threads, replies and profiles you publish in the community are governed by the Community Rules, which form part of these Terms. You keep ownership of what you post and grant us the license the rules describe.

Copyright Complaints: DMCA Notice and Takedown

BankRegReports respects the intellectual property rights of others and expects users of the Service to do the same. We respond to notices of alleged copyright infringement in accordance with the Digital Millennium Copyright Act (“DMCA”), 17 U.S.C. § 512.

Designated Agent. If you believe that content available through the Service infringes your copyright, you may submit a notice to our designated agent:

BankRegReports LLC
PO Box 682704
Marietta, GA 30068
Phone: (404) 585-8249
Email: dmca@bankregreports.com

Contents of a Valid Notice. To be effective, your notice must be a written communication that includes substantially the following, consistent with 17 U.S.C. § 512(c)(3):

  1. A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright interest claimed to be infringed;
  2. Identification of the copyrighted work claimed to have been infringed, or, if multiple works are covered by a single notification, a representative list of such works;
  3. Identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate it (e.g., a URL);
  4. Your name, address, telephone number, and email address;
  5. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  6. A statement, made under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner.

We reserve the right to remove or disable access to material identified in a compliant notice, to notify the user who posted or submitted the material, and to terminate the accounts of users determined to be repeat infringers, in each case at our sole discretion and in accordance with the DMCA.

Counter-Notification. If you believe material you submitted was removed or disabled in error, you may submit a counter-notification to our designated agent containing:

  1. Your physical or electronic signature;
  2. Identification of the material that was removed and its location before removal;
  3. A statement, under penalty of perjury, that you have a good faith belief the material was removed or disabled as a result of mistake or misidentification;
  4. Your name, address, and telephone number, and a statement that you consent to the jurisdiction of the federal district court for the judicial district in which your address is located (or, if outside the United States, for any judicial district in which BankRegReports may be found), and that you will accept service of process from the person who submitted the original infringement notice.

Upon receipt of a valid counter-notification, we may, in our discretion, restore the removed material within the timeframe required by the DMCA, unless the original complaining party first files a court action seeking to restrain the alleged infringer from engaging in the infringing activity.

Repeat Infringer Policy. We may, in appropriate circumstances and at our sole discretion, terminate or suspend the accounts of users who are determined to be repeat infringers.

Misrepresentations. Submitting a false DMCA notice or counter-notification may expose you to liability for damages, including costs and attorneys’ fees, under 17 U.S.C. § 512(f).

10. Prohibited Activities

You agree not to:

  • Use automated scripts, bots, spiders, crawlers, or scraping tools to access, index, or extract data from the Service in bulk, or at a rate that imposes unreasonable load on our servers
  • Circumvent, disable, or interfere with rate limiting, authentication, IP blocking, or other security or access controls
  • Attempt to gain unauthorized access to any account, server, network, or system associated with the Service
  • Introduce viruses, trojans, worms, logic bombs, or other malicious code
  • Launch denial-of-service or distributed denial-of-service attacks against the Service
  • Resell, sublicense, or redistribute access to the Service or its underlying data to third parties without our express written consent
  • Reproduce or re-publish platform data or analytics in a competing product or service
  • Use the Service for any unlawful purpose or in violation of any applicable law or regulation
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity
  • Harvest or collect email addresses or other user contact information from the Service

We reserve the right to suspend or terminate accounts that violate these restrictions, with or without prior notice, and to take any other action we deem appropriate, including reporting violations to law enforcement.

11. Data Licensing

Automated or bulk data extraction beyond what is available through our designated export tools requires a separate written data licensing agreement. Contact us at sales@bankregreports.com for data licensing inquiries.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, OR UNINTERRUPTED AVAILABILITY. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE OR THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICE OR SERVERS MAKING IT AVAILABLE ARE FREE OF VIRUSES OR HARMFUL COMPONENTS, OR THAT THE INFORMATION PROVIDED WILL BE COMPLETE, ACCURATE, OR TIMELY.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BANKREGREPORTS LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, PROFITS, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE ACTUAL AMOUNT YOU PAID US IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR ONE HUNDRED U.S. DOLLARS ($100), WHICHEVER IS GREATER.

Some jurisdictions do not allow exclusion of implied warranties or limitation of certain damages, so some of the above limitations may not apply to you.

14. Indemnification

You agree to defend, indemnify, and hold harmless BankRegReports LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees), except to the extent caused by our gross negligence or willful misconduct, arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or third-party right; or (d) any inaccurate information you provide to us.

15. Governing Law, Dispute Resolution, and Class Action Waiver

(a) Scope. This Section applies to any dispute, claim, or controversy between you and BankRegReports LLC arising out of or relating to these Terms, your account, or the Service (a “Dispute”), except that this Section does not limit either party’s right to seek relief in small claims court as described in subsection (e).

(b) Informal Resolution. Before initiating arbitration, you agree to first send a written description of the Dispute to admin@bankregreports.com, including the relief sought. We will attempt to resolve the Dispute informally within thirty (30) days. If unresolved after thirty (30) days, either party may proceed to arbitration.

(c) Agreement to Arbitrate. Except as provided in subsection (e), any Dispute that is not resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, rather than in court. This agreement to arbitrate is governed by the Federal Arbitration Act.

(d) Fees. For Disputes where you are the individual subscriber (i.e., not accessing the Service on behalf of an organization pursuant to Section 1), BankRegReports will pay all AAA filing, administrative, and arbitrator fees, except that if the arbitrator finds your claim to be frivolous, brought for an improper purpose (as measured by the standard set forth in Federal Rule of Civil Procedure 11(b)), or you have not attempted to resolve informally, you will be responsible for all AAA’s fees and all attorneys’ fees for that claim, to the extent permitted by AAA’s Consumer Arbitration Rules and applicable law.

If the claim proceeds through arbitration, each party bears its own attorneys’ fees unless the arbitrator awards them under applicable law.

(e) Small Claims Option. Either party may bring an individual Dispute in small claims courts in lieu of arbitration if the Dispute qualifies under that court’s jurisdictional limits. This option survives regardless of any other provision in this Section. Prior to bringing an individual Dispute in small claims court, you should attempt to resolve the Dispute informally.

(f) Arbitration Procedure. The arbitration will be conducted by a single arbitrator. Unless you and BankRegReports agree otherwise, the arbitration will be conducted in the state of Georgia, or remotely by video conference at the agreement of both parties or if the arbitrator deems necessary. The arbitrator’s decision will be final and binding, subject to limited judicial review under the Federal Arbitration Act.

(g) Delivery of Arbitration Demand. A demand for arbitration must be submitted through AAA’s standard consumer arbitration intake process, and a copy sent to BankRegReports LLC, PO Box 682704, Marietta, GA 30068, USA, and admin@bankregreports.com, including a description of the Dispute, the relief sought, proof of an informal resolution attempt, and your contact information.

(h) 30-Day Right to Opt Out. You may opt out of this arbitration agreement by sending written notice to admin@bankregreports.com within thirty (30) days of first accepting these Terms, stating your name, account email, and intent to opt out of arbitration. If you opt out, neither you nor BankRegReports is bound by this Section, and Disputes will be resolved in the courts identified in subsection (j), but all other provisions of these Terms remain in effect.

(i) Class Action and Class Arbitration Waiver. YOU AND BANKREGREPORTS 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, OR REPRESENTATIVE PROCEEDING. The arbitrator has no authority to consolidate claims of multiple parties or to preside over any class or representative proceeding.

(j) Injunctive Relief and Non-Arbitrable Claims. Either party may seek injunctive or other equitable relief to protect intellectual property rights or prevent unauthorized use of the Service exclusively in the state or federal courts located in Georgia, and each party consents to the personal jurisdiction and exclusive venue of those courts for that limited purpose, notwithstanding the arbitration agreement above.

(k) Governing Law. This Section and any Dispute are governed by the Federal Arbitration Act and, to the extent not preempted, the laws of the State of Georgia, without regard to conflict-of-laws principles. These Terms are governed by and construed in accordance with the laws of the State of Georgia and applicable U.S. federal law, without regard to conflict-of-law principles.

(l) Time to Bring Claims. All claims arising out of or relating to these Terms or the Service must be brought as an individual claim within nine (9) months after the claim arises, or the claim is permanently waived.

The Service may contain links to third-party websites or integrate with third-party services (e.g., Stripe for billing, Google for authentication). We do not control and are not responsible for the content, accuracy, privacy practices, or terms of those third-party services. Your use of any third-party service is at your own risk and governed by that service's own terms.

17. Termination

Either party may terminate this agreement at any time. You may close your account through account settings or by contacting us at support@bankregreports.com. We reserve the right to suspend or terminate your account and access to the Service at any time, with or without cause and with or without notice, including for any violation of these Terms. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature survive termination (including Sections 6, 7, 8, 9, 12, 13, 14, and 15) will remain in effect.

Data After Termination

Upon termination or closure of your account, whether by you or by us, your access to saved watchlists, custom peer groups, alert configurations, and other account-specific data within the Service will cease immediately. For thirty (30) days following termination, you may request an export of your saved account data by contacting support@bankregreports.com, subject to our ability to verify your identity and account ownership.

After that 30-day period, we may permanently delete your account data, including saved watchlists, custom peer groups, alert configurations, and stored exports, without further notice to you. We are under no obligation to retain your account data beyond this period and are not liable for any loss of data following termination.

Reports or exports you downloaded prior to termination remain yours in accordance with Section 9 (“Your Exports”), and this Section does not affect our own retention of data as described in our Privacy Policy.

18. General Provisions

Entire agreement. These Terms and our Privacy Policy constitute the entire agreement between you and BankRegReports regarding the Service and supersede all prior and contemporaneous agreements, representations, and understandings.

Severability. If any provision of these Terms is found to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

Assignment. You may not assign your rights or obligations under these Terms without our prior written consent. We may freely assign our rights and obligations, including in connection with a merger, acquisition, or sale of assets.

Force majeure. We are not liable for delays or failures in performance caused by circumstances beyond our reasonable control, including outages of third-party infrastructure, telecommunications failures, natural disasters, or acts of government.

Electronic communications. By using the Service, you consent to receive communications from us electronically (including notices, agreements, disclosures, billing receipts, and other information) by email or by posting on the Website. You agree that all such electronic communications satisfy any legal requirement that a communication be in writing, and that electronic records and signatures have the same legal effect as paper records and handwritten signatures.

Export and sanctions compliance. You represent that you are not located in, under the control of, or a national or resident of any country subject to U.S. embargo or sanctions, and that you are not on any U.S. government list of prohibited or restricted parties. You agree to comply with all applicable export-control and economic-sanctions laws and not to use the Service in violation of them.

19. Contact

Questions about these Terms? Contact us at:

BankRegReports LLC
PO Box 682704, Marietta, GA 30068, USA
admin@bankregreports.com