Terms of Service

By accessing or using Mosaic Labs (the “Service”), you agree to these Terms of Service. If you do not agree, do not use the Service.

Mosaic Labs is a research and financial-modelling tool. It produces market-implied expectations, valuations and scenario analysis for publicly traded companies. The Service is provided for informational and analytical purposes only and does not constitute investment, financial, legal or tax advice. Any investment decision you make is your own.

You are responsible for safeguarding your account credentials and for all activity that occurs under your account. Notify us promptly of any unauthorised use.

You agree not to misuse the Service, including by attempting to disrupt it, reverse-engineer it, scrape it at scale, or resell its output without authorisation. You may not use the Service to violate any applicable law or the rights of others.

The Service relies on third-party market and filings data. While we aim for accuracy, we do not warrant that any data, model or output is complete, current or error-free. Models are estimates based on assumptions you and the Service select.

The Service, its software and its design are owned by Mosaic Labs. Models and notes you create remain yours; you grant us the limited rights needed to operate and improve the Service.

The Service is provided “as is” without warranties of any kind. To the maximum extent permitted by law, Mosaic Labs is not liable for any indirect, incidental or consequential damages, or for any investment losses arising from your use of the Service.

We may update these terms from time to time. Continued use after a change constitutes acceptance of the revised terms.

Questions about these terms? Reach us via the contact page.