Last updated: May 30, 2026
riskdiff.com (the “Service”) is owned and operated by BobsLabs LLC (“BobsLabs”, “we”, “us”, or “our”). RiskDiff is a product of BobsLabs LLC.
By accessing or using the Service, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use the Service.
These Terms apply to all visitors, registered users, and subscribers. BobsLabs reserves the right to update these Terms at any time. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.
RiskDiff is a data tool that tracks and compares changes in Item 1A (Risk Factors) disclosures across SEC 10-K annual filings for publicly traded companies. The Service provides:
All data is sourced from publicly available filings on SEC EDGAR. Extraction is performed deterministically from source documents. The Service does not generate, fabricate, or editorialize financial data.
The Service does not provide financial, investment, legal, tax, or accounting advice. All content on riskdiff.com is provided for informational and research purposes only.
Risk factor text displayed on the Service is extracted directly from company filings and reflects what those companies have disclosed to the SEC. RiskDiff does not evaluate, interpret, or opine on the materiality, significance, or investment implications of any disclosed risk.
You should consult a qualified professional before making any investment or financial decision. RiskDiff is not a registered investment adviser, broker-dealer, or financial institution.
While we strive for accuracy, the Service makes no guarantee of completeness, correctness, or timeliness of extracted data. Known limitations include:
All claims made by the Service are traceable to source SEC filings. In the event of any discrepancy, the original filing on SEC EDGAR governs. You should verify any material data against the original filing before relying on it.
Account creation and authentication on riskdiff.com is provided by Clerk. By creating an account, you also agree to Clerk’s terms of service and privacy policy. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
You agree to provide accurate and complete information when registering and to keep that information up to date. RiskDiff reserves the right to suspend or terminate accounts that violate these Terms or that are used for unauthorized or abusive purposes.
Certain features of the Service require a paid subscription. Subscriptions are billed through Stripe. By subscribing, you agree to Stripe’s terms of service in addition to these Terms.
You agree to use the Service only for lawful purposes and in a manner consistent with these Terms. You must not:
BobsLabs LLC may impose reasonable rate limits, usage limits, and anti-abuse protections at its discretion. Abuse of the API may result in account suspension.
The risk factor text displayed on riskdiff.com is extracted from SEC filings, which are public documents. The structured data, diffs, classifications, and site content produced by RiskDiff are the intellectual property of BobsLabs LLC.
Subscribers may use, store, and analyze Service outputs for their own internal business or research purposes. Redistribution, resale, or incorporation of Service outputs into competing products is prohibited without express written permission from BobsLabs LLC.
You are permitted to quote brief excerpts of Service content for commentary, criticism, or non-commercial purposes, provided you attribute the source as “RiskDiff (riskdiff.com)” and link to the original page.
The RiskDiff name, logo, and branding are trademarks of BobsLabs LLC. Nothing in these Terms grants you any right to use our trademarks.
RiskDiff is an independent service and is not affiliated with, endorsed by, or sponsored by the U.S. Securities and Exchange Commission or any other government agency. SEC EDGAR is a public database maintained by the SEC; RiskDiff accesses it independently.
The Service integrates with or relies on the following third-party services, each governed by their own terms and privacy policies:
RiskDiff is not responsible for the availability, accuracy, or practices of these third-party services.
Our collection and use of personal data is governed by our Privacy Policy. We collect limited personal information necessary to operate the Service, including account credentials (managed by Clerk) and payment information (managed by Stripe). We do not sell personal data to third parties.
Certain features of the Service may be designated as beta, preview, or experimental, including but not limited to cross-company risk signals and MCP API access. Such features are provided without warranty, may change or be discontinued without notice, and may be subject to additional limitations not described elsewhere in these Terms.
The Service is provided “as is” and “as available” without warranties of any kind, either express or implied. To the fullest extent permitted by law, BobsLabs LLC disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.
BobsLabs LLC does not warrant that the Service will be uninterrupted, error-free, or free of harmful components, or that any data displayed is complete, current, or accurate.
To the fullest extent permitted by applicable law, BobsLabs LLC, its members, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or business interruption, arising out of or in connection with your use of the Service, even if advised of the possibility of such damages.
In no event shall BobsLabs LLC’s total liability to you for all claims exceed the greater of (a) the amount you paid to BobsLabs LLC in the twelve months preceding the claim, or (b) USD $50.
You agree to indemnify and hold harmless BobsLabs LLC, its members, officers, and employees from any claims, damages, losses, or expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your violation of any third-party rights.
These Terms are governed by and construed in accordance with the laws of the State of New Mexico, without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved through good-faith negotiation first. If negotiation fails, disputes shall be submitted to binding arbitration under the rules of the American Arbitration Association, conducted in English, in Bernalillo County, New Mexico, or remotely at the election of BobsLabs LLC.
Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction where necessary to protect intellectual property or prevent irreparable harm.
BobsLabs LLC shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to SEC EDGAR outages, third-party infrastructure failures (including Vercel, Stripe, or Clerk), internet disruptions, government actions, natural disasters, or any other cause outside BobsLabs LLC’s reasonable control.
BobsLabs LLC may suspend or terminate your access to the Service at any time, with or without cause, with notice where practicable. Upon termination, all licenses granted to you under these Terms will cease. Sections 3, 4, 8, 13, 14, 15, and 16 survive termination.
BobsLabs LLC reserves the right to modify, suspend, or discontinue any part of the Service at any time. We will endeavor to provide reasonable notice of material changes that affect subscribers. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.
If you have questions about these Terms, please contact us: