Inventous LLC, an Illinois limited liability company
Effective August 30, 2026 · Last updated August 2026
These Terms of Service (“Terms”) are a binding agreement between you and Inventous LLC (“Inventous,” “we,” “us,” or “our”), an Illinois limited liability company, governing your use of CallReports.ai (the “Service”). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
If you use the Service on behalf of an institution or other entity, you represent that you have authority to bind that entity to these Terms and that doing so conflicts with no other obligation it has.
CallReports.ai organizes public regulatory filings from the FDIC, NCUA, and Federal Reserve into peer benchmarking, trend analysis, forecasting, and board-facing reporting for banks and credit unions.
CallReports.ai is not affiliated with, endorsed by, or sponsored by the FDIC, NCUA, FFIEC, or any other regulator. References to those agencies identify the source of public data only.
The Service provides data and analysis. It does not provide accounting, audit, legal, investment, or regulatory advice, and using it does not create a professional or fiduciary relationship.
Output from the Service, including AI-generated narrative and forecasts, is a starting point for your own review. You are responsible for verifying any figure or statement before relying on it, including in board materials, regulatory submissions, or public disclosures. Forecasts and scenarios are modeled estimates, not predictions.
Regulatory data is sourced from filings published by the agencies named above. We do not originate it and cannot guarantee that any filing is accurate, complete, or current. Filings may be amended, restated, or reported inconsistently between charter types, and derived figures inherit any error in their source.
Where the Service cannot compute a figure reliably, it is our intention to omit it rather than present an estimate as fact.
You agree to provide accurate information and to keep it current. You are responsible for activity under your account and for the security of the email address used to sign in, since access is granted by emailed link. Notify us promptly of unauthorized use.
Access to an institution’s non-public workspace, including uploaded documents, is limited to users associated with that institution. Do not attempt to reach data for an institution you are not authorized to act for.
You retain ownership of documents and other content you upload. You grant us a limited license to store and process that content solely to provide the Service to you and your institution.
We do not incorporate your uploaded content into peer statistics, benchmarks, or any output shown to another institution, and we do not use it to train models. You represent that you have the right to upload what you upload.
You agree not to:
Paid plans are billed in advance through our payment processor on the interval shown at checkout, and renew automatically until canceled. You may cancel at any time; cancellation stops future renewals and does not retroactively refund the current period except where required by law. We may change pricing on notice, effective at your next renewal.
The Service, including its design, software, and original analysis, is the property of Inventous LLC or its licensors and is protected by copyright, trademark, and other laws. You may not copy, modify, distribute, or create derivative works from it without our prior written consent. Reports you generate may be used freely within your institution and with its regulators, board, and professional advisors.
Public regulatory data is not claimed as our property. “ CallReports.ai” and “Inventous” are trademarks of Inventous LLC.
The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Inventous does not warrant that the Service will be uninterrupted, error-free, or secure, or that any data or output will be accurate or complete.
To the maximum extent permitted by law, Inventous shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising out of or related to your use of the Service, whether based on warranty, contract, tort, or any other legal theory, even if Inventous has been advised of the possibility of such damages.
To the maximum extent permitted by law, our total liability arising out of or relating to the Service shall not exceed the amounts you paid us for the Service in the twelve months preceding the claim.
You shall indemnify and hold harmless Inventous LLC and its officers, members, managers, employees, agents, successors, and assigns from and against any losses, liabilities, damages, costs, and expenses (including reasonable attorney’s fees) arising out of or relating to (a) your breach of these Terms, or (b) your negligence or willful misconduct.
Informal negotiation. The parties shall first attempt in good faith to resolve any dispute, claim, or controversy arising out of or relating to these Terms (a “Dispute”) through direct discussion. Either party may begin by written notice describing the Dispute and the relief sought.
Mediation. If the Dispute is not resolved within thirty (30) days after that notice, either party may submit it to non-binding mediation administered by the American Arbitration Association (“AAA”) under its Commercial Mediation Procedures, taking place in DuPage, Kane, Kendall, Will, or Grundy County, Illinois.
Arbitration. If the Dispute is not settled through mediation within thirty (30) days after mediation begins, it shall be finally resolved by arbitration administered by the AAA under its Commercial Arbitration Rules, before one neutral arbitrator seated in DuPage, Kane, Kendall, Will, or Grundy County, Illinois. Judgment on the award may be entered in any court of competent jurisdiction.
Equitable relief. Either party may seek temporary injunctive or other equitable relief in an Illinois state or federal court located in DuPage, Kane, Kendall, Will, Grundy, Cook, or Winnebago County to prevent misuse of confidential or proprietary information, without waiving the agreement to arbitrate.
Fees. The prevailing party in any arbitration or court proceeding is entitled to recover reasonable attorney’s fees, costs, and expenses.
Governing law and venue. These Terms and any Dispute are governed by the laws of the State of Illinois, without regard to its conflict-of-law principles; the Federal Arbitration Act governs the arbitration provisions. Venue for state-court proceedings is limited to courts in DuPage, Kane, Kendall, Will, Grundy, Cook, or Winnebago County, Illinois, and for federal proceedings the United States District Court for the Northern District of Illinois. Each party consents to that jurisdiction and waives objection on grounds of forum non conveniens.
We may suspend or terminate access at any time, with or without cause or notice. You may cancel at any time by contacting us. Sections that by their nature should survive termination, including 6, 9, 10, 11, 12, and 13, survive.
Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Inventous regarding the Service.
Severability. If any provision is unenforceable, the rest remain in force.
No waiver. Failure to enforce a provision is not a waiver of it.
Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, or sale of assets.
Notices. Notices may be delivered electronically and are deemed received when transmitted.
Changes. We may modify these Terms. Material changes will be posted here with a revised date, and continued use after that date constitutes acceptance.
Inventous LLC
1411 S. Bridge Street, Yorkville, IL 60560
legal@inventous.com
(847) 878-9685