Terms of Service

Last updated: October 16, 2026

1. Acceptance

By using Borrowed Mind, you agree to these Terms of Service. If you do not agree, do not use the service.

2. Description of Service

Borrowed Mind is a personal research and portfolio-tracking tool shared with invited readers. It provides data visualization, scoring, and educational information about publicly traded securities. Borrowed Mind is not a broker, financial advisor, or investment platform, and is not registered as an adviser or dealer with any securities regulator.

3. Not Financial Advice

The information presented on Borrowed Mind is for educational and informational purposes only. Borrowed Mind does not provide investment recommendations, financial advice, or personalized guidance. Scores, score bands, signals and portfolio weights are model outputs that describe companies; they are not recommendations to buy or sell and do not take your personal situation into account. The author may hold positions in the securities shown. Always consult a licensed financial advisor before making investment decisions.

4. AI-Drafted Content

Some content (Deep Read flags, AI analysis, theses and council scores) is drafted by AI models from company filings and is labelled as such. It can be wrong or out of date. Treat it as a starting point, not fact.

5. Access by Invitation

• Access is by invitation only: you sign in with an email address on our allowlist. There is no account to create and no password.
• Your access is personal: do not share your sign-in or session with others.
• You agree not to abuse the service (automated scraping, excessive requests, etc.) or redistribute its content.

6. Data Accuracy

Company financials come from public regulatory filings (SEC EDGAR and home-market filings). Market data is sourced from third-party providers (Yahoo Finance) and may be delayed, incomplete, or inaccurate. Scoring, metrics, and analysis are computed algorithmically and may contain errors. Borrowed Mind makes no guarantee of data accuracy or completeness.

7. Service Availability

Borrowed Mind is provided "as is" without warranty of any kind. We do not guarantee uninterrupted access. The service may be unavailable due to maintenance, updates, or technical issues.

8. Intellectual Property

The scoring engine, algorithms, and interface design are the intellectual property of Borrowed Mind. You may not copy, reverse-engineer, or redistribute any part of the service.

9. Ending Access

You can ask us to remove your email address from the allowlist at any time by writing to the contact below. We may remove access at any time, including for use that violates these terms.

10. Limitation of Liability

Borrowed Mind shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of the service, including but not limited to financial losses from investment decisions made using information from Borrowed Mind.

11. Changes

We may update these terms from time to time. Continued use of the service after changes constitutes acceptance of the updated terms.

12. Contact

For questions about these terms, contact info@borrowedmind.io.