Terms of Service

These terms are a contract between you and BI App Factory LLC (“we,” “us”), which operates 5500Vision. By creating an account or using the service you agree to them. If you are agreeing on behalf of a company, you represent that you have authority to bind it.

5500Vision provides a searchable interface over publicly filed Form 5500 data and related public records, together with automatically generated written summaries of individual plans. It is a research and prospecting tool.

• New accounts receive 5 days of full access at no charge. A valid payment method is required to begin the trial, but it is not charged during it.
• If you do not cancel before the trial ends, the subscription begins automatically and your payment method is charged. Cancel at any point during the trial and you are charged nothing.
• After the trial, continued access requires a Starter subscription at $49.99 per month, billed monthly in advance through Stripe.
• Subscriptions renew automatically until cancelled. You may cancel at any time from your account page.
• Cancellation stops future billing and takes effect at the end of the current billing period. We do not provide prorated refunds for partial months.
• We may change pricing with at least 30 days notice by email; changes apply at your next renewal.

This is the most important thing in these terms, so we will be direct about it.

The underlying data is filed by employers and their service providers with government agencies. We do not audit it, and it may contain errors, omissions, or figures that are outdated by the time you see them. Filings are also published on a lag, sometimes a substantial one.

Plan briefings and any scores, benchmarks, or rankings are generated automatically from filed data. They may contain mistakes or mischaracterizations. They are a starting point for your own research, not a finding of fact.

Nothing in the service is legal, tax, investment, actuarial, or fiduciary advice. You are responsible for independently verifying any figure before you rely on it, present it to a client or prospect, or make a recommendation based on it.

You agree not to:

• Share your login credentials, or allow more than one individual to use a single subscription.
• Scrape, crawl, or bulk-export the service, or use automated means to extract data beyond normal interactive use.
• Resell, sublicense, or redistribute the service or substantial portions of its output as a competing data product.
• Reverse engineer the service, or attempt to gain unauthorized access to any system or account.
• Use the service to send unlawful communications, or in violation of any anti-spam, telemarketing, privacy, or securities regulation applicable to you.

You are solely responsible for ensuring your outreach complies with the rules that govern your profession, including any applicable FINRA, SEC, state insurance, TCPA, or CAN-SPAM requirements.

Saved searches, prospect lists, and notes you create remain yours. You grant us only the license needed to store and display them back to you as part of operating the service.

The underlying government filings are public record and not owned by anyone. The service itself — the interface, the benchmarking and scoring methods, the generated briefings, and the compiled database — is ours, and your subscription grants you a limited, non-exclusive, non-transferable right to use it for your own business purposes.

We aim for high availability but do not guarantee uninterrupted service. We may modify or discontinue features, and we perform maintenance that may cause brief downtime.

The service is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement.

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost business, or lost opportunities. Our total liability for any claim relating to the service is limited to the amount you paid us in the twelve months before the claim arose.

You may stop using the service and cancel at any time. We may suspend or terminate an account that violates these terms, or that we reasonably believe is being used unlawfully.

These terms are governed by the laws of the State of Connecticut, without regard to its conflict of laws rules. Any dispute will be brought in the state or federal courts located in Connecticut.

We may update these terms. If a change is material we will notify active subscribers by email at least 30 days before it takes effect. Continuing to use the service after that means you accept the updated terms.

Questions about these terms: hello@5500vision.com.