FFP One

Terms of Service

Version 1.3 · in force October 14, 2026

These terms apply to your use of FFP One. They replace the beta terms. Our Privacy Notice and the Right of Withdrawal notice are separate documents and form part of the information we give you before you buy.

1. Who we are, and who these terms are for

FFP One is operated by Randall Helms, sole proprietor, Kolonnenstr. 8, 10827 Berlin, Germany (randall.helms@ffp.one). "We" and "us" mean FFP One; "you" means the person or firm using it.

These terms apply to everyone who uses FFP One, whether you are a consumer (a person acting outside their trade or profession, § 13 BGB) or a business (§ 14 BGB). Where a clause applies only to consumers, it says so. If you buy for purposes of your trade, business or profession you are a business; otherwise you are a consumer.

By creating an account or using FFP One you accept these terms and confirm that you have read the Privacy Notice.

2. What FFP One is

FFP One is a research platform for company and fund information drawn from public regulatory filings (SEC filings), combined with market data and AI features:

  • Research — an AI engine that produces a researched report on a question you ask.
  • Chat — questions answered from the same data.
  • Memos — AI-written notes on a company or fund.
  • The data platform — company and fund pages, screening, filing search, exports and your own notes.

AI output. Research, Chat and Memos generate text using artificial intelligence, including third-party models (clause 13). AI output can be wrong, incomplete or out of date, even when it cites a source. You are responsible for checking anything you rely on. See clause 12.

The service changes. FFP One is developed continuously: features are added, changed and removed. Where you are a consumer and we change the service beyond what is needed to keep it in conformity, we do so only on the conditions in § 327r BGB, and we will tell you in advance where that provision requires it.

3. Your account and your organisation

An account belongs to one person and must not be shared. Your account sits in an organisation, which is how a firm shares one credit balance across its people. Members of your organisation can use the credits it holds.

You must give accurate registration details, keep your login secure, and tell us promptly if you think someone else has used your account. Only the organisation's owner can buy or change a subscription; a credit pack can be bought by a member of an organisation that holds a subscription.

4. Prices, payment and taxes

Prices are those shown in the app when you buy. We deliberately do not repeat them here, so that a price change is never a change to these terms. Prices are in US dollars. A promotional offer, such as a discount on a first month, applies on the conditions shown when you buy.

We currently charge no value-added tax: we apply the small-business scheme of § 19 UStG, as stated in our Impressum. If that changes, the checkout will show the price including tax before you pay.

Payment is taken by Stripe, our payment provider. Subscriptions and credit packs are paid by card. Card details are entered on Stripe's own pages and never reach our servers. Stripe handles your payment data in its own right; see the Privacy Notice.

5. Credits

AI features are metered in credits. One credit represents a fixed amount of the computing cost of answering. A request costs at least one credit, and a request that costs us nothing costs you nothing. The number of credits a plan includes is shown in the app when you buy. Everything that is not AI — browsing companies and funds, screening, filing search, your notes, exports of that data — is included and uses no credits.

  • Credits sit in one balance per organisation, in two parts:
    • Subscription credits come with your plan each month. Subscription credits you have not used when your next month's credits arrive do not carry over, and they end when your subscription ends. They are not refunded.
    • Purchased credits come from credit packs. Purchased credits do not expire. Credits left over from a free trial count as purchased credits.
  • We use your subscription credits first, and your purchased credits once those run out. Your organisation's owner can choose in Settings to use purchased credits first instead.
  • Because a request's cost is only known once it has run, a request that is already running can take the balance below zero. We cover the difference: your balance starts again from zero.
  • When the balance is empty, AI features stop until it is topped up. Data features keep working.
  • Failed AI runs. If our system interrupts a run — a deployment, a crash, a stall — you are not charged. If a run fails for another reason, for example the model provider errors, the run times out, or it ends without producing a report, the work done is charged.

6. Free trial

A trial gives you a fixed number of credits for a fixed number of days, shown when you start it. We ask for a card to start the trial, but the trial is never charged and never turns into a paid plan by itself. If you want to keep using FFP One at the end of the trial, you buy a plan.

When a trial ends, access to the product stops and signing in leads you to the purchase page. Credits you did not use stay on the balance as purchased credits (clause 5) and can be used once you hold a subscription. One trial per person and per card in a twelve-month period.

7. Subscriptions, term and cancellation

A subscription is the way to use FFP One's AI features after the trial. Plans are billed monthly or annually.

A monthly plan has no minimum term and renews automatically for a further month until cancelled.

An annual plan has a first term of twelve months, paid in advance. If you are a business, it then renews for a further year unless you cancel before it renews. If you are a consumer, it instead continues after the first twelve months for an indefinite period, and you can cancel it at any time with one month's notice; if you cancel part-way through a year you have already paid for, we refund the full months left after your notice ends.

Only the organisation's owner can cancel or change a subscription.

You can cancel at any time in the app, under Billing, with effect from the end of the billing period you have paid for. You keep access until then and are not charged again. We do not refund the unused part of a billing period, which for an annual plan means the unused months — except for the refund owed to a consumer after the first twelve months, described above.

Changing plan. An upgrade takes effect at once and is charged pro rata for the rest of the period; a downgrade, or a change to a shorter billing period, takes effect at the end of the current period.

When a subscription ends, access to the product ends. Your account and what is in it — notes, reports — are kept, and signing in shows the purchase page. Subscription credits end with the subscription. Purchased credits stay on your balance; they can be used only while you hold a subscription, and they work again if you subscribe again.

If a payment fails, we may suspend access until it is made good, and we may end the subscription (clause 17).

We may terminate a subscription with two months' notice to the end of a billing period; either side may terminate for good cause.

8. Right of withdrawal — consumers

If you are a consumer you have a statutory right to withdraw from a purchase within fourteen days. The full notice, with the model form, is on a separate page: Right of Withdrawal.

Because our service starts as soon as you buy, you ask us at checkout to begin straight away. If you withdraw within fourteen days of a purchase, you pay a proportionate amount for what you used up to that point, and we refund the rest (§ 357a Abs. 2 BGB). Credit packs are treated the same way as the subscription.

You can withdraw by an unambiguous statement — for example an email to randall.helms@ffp.one, or with the model form on the withdrawal page. We confirm it by email.

9. Refunds outside the right of withdrawal

Apart from the statutory right in clause 8, payments are non-refundable — in particular, credits already used. If something has gone wrong, write to randall.helms@ffp.one: we look at refunds case by case and decide at our discretion.

10. Using FFP One properly

You may use FFP One for your own investment research, or your firm's. You may not:

  • share your account, or let people outside your organisation use its access or credits;
  • resell, redistribute or make the service available to third parties as a service of your own;
  • extract data in bulk by automated means — scraping, crawling, or driving the interface with scripts — or circumvent rate limits;
  • redistribute raw daily price series taken from the platform. Our market-data licence allows you to see and use prices and anything derived from them, but not to pass on the underlying daily price series as data. Our exports are built to respect this;
  • attempt to extract the underlying models or prompts, interfere with the service, or use it unlawfully;
  • use the service to produce investment advice for third parties in a way that presents our output as regulated advice (clause 12).

We may apply reasonable technical limits, and we may suspend access that threatens the service or breaches this clause (clause 17).

11. Your statutory rights — consumers

Where you are a consumer, the statutory rules on digital products (§§ 327 ff BGB) apply: we owe you a service that matches its description and the agreed quality, and we provide the updates needed to keep it in conformity for as long as we supply it. Nothing in these terms excludes or limits those rights, and clauses 12 and 16 apply only so far as those provisions allow.

12. Not investment advice, and not a financial service

FFP One provides information and AI-generated analysis. It is not investment advice, a personal recommendation, legal or tax advice, and not an offer to buy or sell any security.

We do not provide financial services within the meaning of the German Banking Act (KWG) or securities services within the meaning of the Securities Trading Act (WpHG); we hold no client money, manage no assets, and execute no orders. No adviser relationship arises between us. Decisions you take, and any loss on them, are yours.

13. Data sources and third-party services

Our content is built from public regulatory filings (SEC EDGAR), market data from licensed providers, and public macroeconomic series. Source attributions shown in the product belong to those providers. We take care with this data but cannot guarantee it is complete, accurate or current, and filings themselves can be amended or restated.

AI features are delivered using third-party model providers; the Privacy Notice names them and says which of them see your content, and when.

14. Intellectual property and your content

The platform, its software, its curated database and its design are ours or our licensors'. We grant you a non-exclusive, non-transferable right to use the service during your subscription, for the purposes in clause 10.

Your content is yours — what you type and your notes. You grant us the rights we need to operate the service: to store, process and transmit your content for the purpose of answering you and providing the features you use, including passing it to the model providers involved. We do not use your content to train AI models.

Reports and memos generated for you are yours to use within clause 10.

15. Availability

We aim to keep FFP One available but do not guarantee uninterrupted service. Maintenance, third-party outages and failures of model providers can interrupt it. We give no uptime commitment and no service credits.

16. Liability

We are liable without limit for damages arising from injury to life, body or health; for intent and gross negligence; where we have given a guarantee; and under the Product Liability Act.

For slight negligence we are liable only where we breach an obligation whose fulfilment makes proper performance of the contract possible in the first place and on whose fulfilment you may routinely rely (a Kardinalpflicht), and then only for the damage typically foreseeable at the time of contracting.

Any further liability is excluded. Consumers' statutory rights, including those in clause 11, are unaffected, and nothing here limits liability where the law forbids it.

We are not liable for investment decisions taken on the basis of our content, within these limits (clause 12).

17. Suspension and termination

We may suspend or close an account that breaches these terms, that is used unlawfully, or where payment fails, after warning you where that is reasonable. On termination your access ends; unused credits lapse without compensation unless the termination is our fault or you withdrew under clause 8.

You may close your account at any time (clause 7 for subscriptions). Self-service deletion is not yet available in the app; write to us and we will delete your account.

18. Changes to these terms

We may change these terms where there is a valid reason — a change in the law or case law, a new or changed feature, or a change in our providers — and where the change does not upset the balance of the agreement.

We will not treat your silence as agreement. We will tell you about a change before it takes effect and ask for your agreement; if you would rather not agree, you can stop using the paid service and cancel with effect from the end of the current billing period, and we will not charge you again.

19. Data protection

How we handle personal data is in the Privacy Notice. Where we process personal data on behalf of a business customer, a data-processing agreement under Art. 28 GDPR applies; write to us for it.

20. Governing law and place of jurisdiction

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods.

If you are a consumer, this choice does not deprive you of the protection of the mandatory rules of the country you live in, and the statutory rules on jurisdiction apply — you can bring proceedings where the law entitles you to.

If you are a merchant, a legal person under public law or a public special fund, or if you have no general place of jurisdiction in Germany, the courts of Berlin have exclusive jurisdiction.

21. Language

These terms are published in English. Where a consumer resident in Germany asks for a German version, we will provide one.

22. Final provisions

If a provision is or becomes invalid, the rest stands. We may transfer this agreement to a company we convert the business into, in which case we will tell you in advance and you may cancel. You may transfer it only with our agreement.

Contact: FFP One, Randall Helms, Kolonnenstr. 8, 10827 Berlin, Germany · randall.helms@ffp.one