1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and JS Ventures Holdings LLC, doing business as Signal990 ("Signal990," "Company," "we," "us," or "our"), governing your access to and use of the Signal990 website at signal990.com, web application, and all related services (collectively, the "Service").

By creating an account, accessing, or using the Service, you represent and warrant that you are at least 18 years of age and have the legal authority to enter into these Terms. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and "you" shall refer to both you individually and the organization.

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

2. Description of the Service

Signal990 is a research and discovery tool that helps nonprofit organizations identify potential foundation funders using publicly available IRS 990 and 990-PF tax filing data combined with AI-powered matching technology. The Service allows users to search nonprofit organizations, view foundation profiles and grant histories, generate AI-powered foundation matches based on organizational characteristics, build and manage lists of prospective foundations, and export prospect data.

3. Account Registration and Security

3.1 Account Creation

To access certain features of the Service, you must create an account by providing a valid email address and creating a password. You agree to provide accurate, current, and complete information during registration and to update such information as necessary to keep it accurate, current, and complete.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at support@signal990.com of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to protect your account credentials.

3.3 One Account Per User

Each account is for a single individual user. You may not share your account credentials with others or allow multiple individuals to use a single account, except where expressly permitted under your subscription tier.

3.4 Account Termination by User

You may delete your account at any time through your account settings or by contacting support@signal990.com. Account deletion is subject to Section 10 (Cancellation and Refunds).

4. Subscription Plans, Pricing, and Payment

4.1 Subscription Tiers

The Service is offered under the following subscription tiers, which may be updated from time to time:

Free Tier: Limited access to the Service at no cost, subject to usage limits as described on our pricing page. No credit card is required.
Pro Tier: Enhanced access with expanded features and usage limits, offered on a monthly or annual billing cycle.
Unlimited/Enterprise Tier: Full access with additional capabilities, offered on an annual billing cycle.

Current pricing, feature details, and usage limits for each tier are displayed on our pricing page at signal990.com/pricing and are incorporated into these Terms by reference.

4.2 Payment Processing

All payments are processed by Stripe, Inc. ("Stripe"). By subscribing to a paid plan, you agree to Stripe's terms of service. You authorize us to charge the payment method you provide for all applicable fees.

4.3 Billing Cycles

Monthly subscriptions are billed on the same date each month (or the last day of the month if the billing date does not exist in a given month).
Annual subscriptions are billed once per year on the anniversary of your subscription start date.
Billing begins immediately upon subscribing to a paid plan.

4.4 Price Changes

We reserve the right to change our pricing at any time. For existing subscribers, price changes will take effect at the start of the next billing cycle following at least 30 days' written notice (via email to your account email address). If you do not agree to a price change, you may cancel your subscription before the new pricing takes effect.

4.5 Taxes

All prices are exclusive of applicable taxes. You are responsible for any sales tax, use tax, VAT, or other taxes imposed by any jurisdiction on your subscription, except for taxes based on our net income.

4.6 Failed Payments

If a payment fails, we will attempt to process the charge up to three additional times over a 14-day period. If payment cannot be collected, we may downgrade your account to the Free Tier or suspend your access to paid features until payment is resolved. We will notify you by email of any payment failures.

5. Free Tier Terms

5.1 Usage Limits

The Free Tier is subject to usage limits that may be changed at any time at our sole discretion. Current limits are displayed on our pricing page. Usage limits reset on a calendar month basis.

5.2 No Guarantee of Availability

The Free Tier is provided as a courtesy and may be modified, limited, or discontinued at any time without prior notice. We reserve the right to require a paid subscription for continued access to the Service.

5.3 Feature Limitations

Certain features, data fields, and export capabilities are available only to paid subscribers. Content or data displayed in a limited, blurred, or truncated form on the Free Tier requires a paid subscription to access in full.

6. Acceptable Use

6.1 Permitted Use

The Service is intended for use by nonprofit professionals, fundraisers, consultants, and researchers for the purpose of identifying potential foundation funders and conducting prospect research. You may use the Service for any lawful purpose consistent with these Terms.

6.2 Prohibited Conduct

You agree NOT to:

Scrape, crawl, or bulk extract data from the Service using automated tools, bots, scripts, or any other automated means, except through our API if and when we make one available under a separate API agreement.
Reproduce, redistribute, or resell data obtained from the Service in bulk, in a database product, or as a competing service. Exporting data for your own internal prospect research purposes is expressly permitted.
Circumvent usage limits or access controls, including creating multiple free accounts to exceed Free Tier limits, sharing credentials to circumvent per-user licensing, or using technical means to bypass paywalls or feature restrictions.
Interfere with the Service, including introducing malware, viruses, or other harmful code; attempting to gain unauthorized access to our systems or other users' accounts; overloading our infrastructure with excessive requests; or reverse-engineering, decompiling, or disassembling any part of the Service.
Use the Service for unlawful purposes, including violating any applicable local, state, national, or international law or regulation; harassing, threatening, or defaming any person or organization; or transmitting any content that is unlawful, fraudulent, or deceptive.
Misrepresent your identity or affiliation when using the Service.
Use the Service to compile information for the purpose of sending unsolicited bulk communications (spam) to foundations or any other parties.

6.3 Enforcement

We reserve the right to investigate and take appropriate action against any violation of this Section 6, including without limitation removing content, suspending or terminating accounts, and reporting illegal activity to law enforcement authorities.

7. Intellectual Property

7.1 Our Intellectual Property

The Service, including its original content (excluding publicly available government data), features, functionality, design, user interface, software code, AI models and algorithms (to the extent proprietary), trademarks, logos, and documentation, is owned by JS Ventures Holdings LLC and is protected by United States and international copyright, trademark, and other intellectual property laws. Nothing in these Terms grants you any right, title, or interest in or to our intellectual property except the limited license to use the Service as described herein.

7.2 Public Data

A substantial portion of the data displayed through the Service is derived from publicly available IRS 990 and 990-PF tax filings, which are public records of the United States government and are not subject to copyright. Our proprietary interest is in the compilation, organization, presentation, AI-generated analysis, and value-added processing of this data, not in the underlying public records themselves.

7.3 AI-Generated Content

Summaries, match scores, recommendations, trend analyses, and other AI-generated content provided through the Service are generated algorithmically and are provided for informational purposes only. You may use AI-generated content obtained through the Service for your own internal purposes. We make no claim of copyright over AI-generated outputs delivered to you, but we retain all rights in our underlying AI systems, prompts, and methodologies.

7.4 Your Content

You retain ownership of any content you submit to the Service, including your organization's mission statement, notes, and list names ("User Content"). By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free license to use, process, store, and display your User Content solely as necessary to operate and improve the Service. We will not use your User Content for purposes unrelated to the Service without your explicit consent. This license terminates when you delete your User Content or your account, except as necessary for backup, archival, or legal compliance purposes.

7.5 Feedback

If you provide us with feedback, suggestions, or ideas regarding the Service ("Feedback"), you grant us an unrestricted, irrevocable, perpetual, royalty-free license to use, modify, and incorporate such Feedback into the Service or any other product without any obligation or compensation to you.

8. Data Accuracy and Disclaimers

8.1 Data Sources

The Service relies primarily on IRS 990 and 990-PF tax filings, which are filed by the organizations themselves and made publicly available by the IRS. We do not independently verify the accuracy, completeness, or timeliness of the information contained in these filings.

8.2 Data Freshness

IRS 990 data may be 6–18 months old by the time it is publicly available, processed, and displayed in the Service. Foundation information, including contact details, giving priorities, assets, and grant programs, may have changed since the most recent filing. You should independently verify all information before relying on it for grant-seeking decisions.

8.3 AI-Generated Content Accuracy

AI-powered match scores, summaries, recommendations, and other AI-generated content are algorithmically generated estimates and should not be treated as factual assertions or guarantees. Match scores represent statistical similarity, not a prediction of funding likelihood. AI-generated summaries may contain inaccuracies or omissions. Recommendations are based on historical patterns and may not reflect current foundation priorities.

8.4 No Professional Advice

The Service provides informational research tools only. Nothing in the Service constitutes legal, financial, tax, or professional fundraising advice. No information presented through the Service should be construed as a recommendation to apply to any particular foundation or to pursue any particular fundraising strategy. You should consult qualified professionals for specific guidance related to your grant-seeking activities.

8.5 No Guarantee of Funding

Use of the Service does not guarantee that any foundation will fund your organization. Match scores and recommendations are research aids, not predictions of outcomes. We expressly disclaim any liability arising from your reliance on AI-generated content, match scores, or any other information provided through the Service.

9. Limitation of Liability

9.1 Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DATA PROVIDED THROUGH THE SERVICE IS ACCURATE, COMPLETE, OR CURRENT.

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL JS VENTURES HOLDINGS LLC, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, LOSS OF BUSINESS OPPORTUNITY, OR COST OF PROCUREMENT OF SUBSTITUTE SERVICES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

9.3 Essential Purpose

THE LIMITATIONS IN THIS SECTION 9 APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

10. Cancellation and Refunds

10.1 Cancellation by You

You may cancel your paid subscription at any time through your account settings or by contacting support@signal990.com. Upon cancellation, your paid features will remain active through the end of your current billing period (monthly or annual). After the billing period ends, your account will be downgraded to the Free Tier. No partial refunds will be issued for the remaining portion of a billing period.

10.2 Annual Subscription Refunds

If you cancel an annual subscription within the first 14 days of purchase or renewal, you may request a full refund by contacting support@signal990.com. After 14 days, annual subscriptions are non-refundable but will remain active through the end of the annual billing period.

10.3 Cancellation by Us

We may suspend or terminate your account and access to the Service immediately and without prior notice if you violate these Terms, engage in fraudulent or illegal activity, fail to pay applicable fees after the cure period described in Section 4.6, or if we reasonably believe your continued use poses a risk to the Service or other users. If we terminate your account for a reason other than your breach of these Terms, we will issue a pro-rata refund for any prepaid and unused portion of your subscription.

10.4 Effect of Termination

Upon termination or expiration of your account, your right to access the Service ceases immediately (or at the end of the billing period for voluntary cancellations). We will delete your personal data in accordance with our Privacy Policy. We are not obligated to retain your saved lists, notes, or other User Content after account termination, and you should export any data you wish to retain prior to cancellation.

11. Indemnification

You agree to indemnify, defend, and hold harmless JS Ventures Holdings LLC, its officers, directors, members, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Service, your violation of these Terms, your violation of any law or regulation, your violation of any rights of a third party, or any content you submit to the Service. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claim.

12. Dispute Resolution

12.1 Governing Law

These Terms and any dispute arising out of or relating to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Georgia, United States of America, without regard to its conflict of law provisions.

12.2 Informal Resolution

Before filing any formal legal proceeding, you agree to attempt to resolve any dispute informally by contacting us at legal@signal990.com. We will attempt to resolve the dispute informally within 60 days. If the dispute is not resolved within 60 days, either party may proceed as set forth below.

12.3 Binding Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service that cannot be resolved informally shall be settled by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator, and the seat of arbitration shall be Atlanta, Georgia. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

12.4 Class Action Waiver

YOU AND JS VENTURES HOLDINGS LLC AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING.

12.5 Small Claims Exception

Notwithstanding Section 12.3, either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits.

12.6 Injunctive Relief

Nothing in this Section 12 shall prevent either party from seeking injunctive or other equitable relief in any court of competent jurisdiction for the protection of intellectual property rights or to prevent irreparable harm.

13. Modifications to the Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We will use commercially reasonable efforts to provide at least 30 days' notice before discontinuing the Service entirely or removing a material feature available to paid subscribers. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

14. Modifications to These Terms

We may revise these Terms from time to time. If we make material changes, we will notify you by email (at the address associated with your account) or by posting a prominent notice on the Service at least 30 days prior to the changes taking effect. For non-material changes, we will update the "Last Updated" date at the top of these Terms. Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and cancel your subscription.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and JS Ventures Holdings LLC with respect to the Service and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

15.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

15.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless made in writing and signed by an authorized representative of JS Ventures Holdings LLC.

15.4 Assignment

You may not assign or transfer these Terms or your rights or obligations hereunder without our prior written consent. We may assign these Terms freely in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets. Subject to the foregoing, these Terms shall bind and inure to the benefit of the parties and their respective successors and permitted assigns.

15.5 Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, government actions, pandemics, labor disputes, power or internet outages, or failures of third-party service providers.

15.6 Notices

All notices to us must be sent to legal@signal990.com. Notices to you will be sent to the email address associated with your account. Notices shall be deemed given when sent by email, except for notices of material changes to these Terms, which shall be deemed given upon the earlier of actual receipt or 30 days after posting on the Service.

15.7 Headings

Section headings are for convenience only and shall not affect the interpretation of these Terms.

15.8 Survival

The following sections shall survive termination or expiration of these Terms: Sections 7 (Intellectual Property), 8 (Data Accuracy and Disclaimers), 9 (Limitation of Liability), 11 (Indemnification), 12 (Dispute Resolution), and 15 (General Provisions).

16. Contact Information

If you have questions about these Terms, please contact us at:

JS Ventures Holdings LLC d/b/a Signal990
Email: legal@signal990.com