Disclaimer

Not Investment Advice

The Filter Lab LLC and ISC Financial provide structural analysis tools for educational and informational purposes only. We are NOT a registered investment advisor, broker-dealer, or financial planner. Nothing on this site constitutes investment, legal, tax, or accounting advice.

About ISC

ISC (Isomorphic Systems Consolidation) is a research framework that measures coupling patterns in financial time series. While ISC has shown statistical accuracy on a curated set of 45 historical cases (AUC 0.96), past patterns do not predict future outcomes for any individual company. Markets are complex adaptive systems subject to many factors ISC does not measure.

No Recommendations

ISC Financial does not recommend any particular security, sector, strategy, or transaction. References to specific tickers, sectors, or historical companies (Enron, WorldCom, Spirit Airlines, etc.) are illustrative of the framework only and do not constitute recommendations to buy, sell, or hold those or any related securities.

No Warranty

Analysis results are provided AS IS without warranty of any kind, express or implied. We do not warrant that results are accurate, complete, current, or fit for any particular purpose. Data is sourced from third parties (SEC EDGAR, Tiingo) and may contain errors, omissions, or delays.

User Assumes All Risk

You are solely responsible for your investment decisions. You should consult a licensed financial advisor, tax professional, and/or legal counsel before acting on any analysis from this site. Past performance is not indicative of future results. You may lose money — including all of your invested capital.

AI Disclosure

This site uses artificial intelligence (Claude by Anthropic) for educational analysis. AI-generated content may contain errors, fabrications, or outdated information. AI outputs are not a substitute for professional advice.

Limitation of Liability

To the maximum extent permitted by law, The Filter Lab LLC, its officers, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site, including but not limited to investment losses, lost profits, or data inaccuracies.

Jurisdiction

The Filter Lab LLC is a Texas LLC. Use of this site constitutes acceptance of the laws of the State of Texas as governing law. By using ISC Financial, you acknowledge you have read, understood, and agree to this disclaimer.

Privacy Policy

What We Collect

ISC Financial collects: (1) ticker queries you submit; (2) chat messages to the AI Analyst feature; (3) basic usage analytics such as page views and session duration; (4) email and payment information when you create a paid account. Free tier use does not require an account or personally identifiable information.

Data Sources

We retrieve company financial data from public sources: SEC EDGAR (filings) and Tiingo (market data). We do not permanently store this data; it is fetched fresh per analysis.

What We Do Not Do

We do NOT sell your data. We do NOT share your data with advertisers. We do NOT use your queries to train AI models without explicit consent.

Third-Party Services

AI Analyst chat messages are sent to Anthropic's Claude API for processing under Anthropic's privacy policy. When paid tiers launch, payment processing will be handled by Stripe. Hosting infrastructure is provided by Vercel and Render (no separate data access).

Cookies

We use minimal cookies for session management. No advertising or tracking cookies. We do not use Google Analytics or similar broad analytics tools.

Your Rights

You may request deletion of any account-associated data by emailing malonrw@gmail.com. We will respond within 30 days. EU/UK users have additional rights under GDPR including data portability and the right to be forgotten.

Children

This service is not directed to anyone under 18. We do not knowingly collect data from minors.

Changes

We may update this policy. Material changes will be communicated via email to account holders. Continued use after changes constitutes acceptance.

Terms of Service

Acceptance

By accessing ISC Financial (operated by The Filter Lab LLC), you agree to these Terms. If you do not agree, do not use the service.

Service Description

ISC Financial provides structural financial analysis tools based on the Isomorphic Systems Consolidation research framework. The service is provided for educational and informational purposes only. See our Disclaimer for limitations on the nature of this analysis.

Account & Acceptable Use

Free tier use does not require an account. Paid tiers require an account. You agree to: (a) provide accurate registration information; (b) keep credentials secure; (c) not attempt to reverse-engineer, scrape, or otherwise exploit the service; (d) not use the service for any unlawful purpose. We may suspend or terminate accounts for violations.

Subscription & Refunds

Paid tiers are billed monthly via Stripe (when launched). You may cancel anytime; cancellation takes effect at the end of the current billing period. Refunds are issued at our discretion within 14 days of charge for unused periods. Free trials convert to paid subscriptions automatically unless cancelled before the trial ends.

Intellectual Property

The ISC framework, methodology, source code, and brand are property of The Filter Lab LLC and Ryan W. Malone. The Zenodo-archived research papers under DOI 10.5281/zenodo.18940081 are released under their respective open-access licenses. You may not copy, redistribute, or commercialize the service or its outputs without permission.

Disclaimer of Warranties

The service is provided AS IS and AS AVAILABLE. We make no warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. See our Disclaimer page for details on the educational nature of analysis outputs.

Limitation of Liability

To the maximum extent permitted by law, The Filter Lab LLC's total liability for any claim arising from your use of the service is limited to the amount you paid in the 12 months preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages, including investment losses.

Governing Law

These Terms are governed by the laws of the State of Texas. Disputes shall be resolved in the state or federal courts of Texas. You waive any right to participate in class actions to the extent permitted by law.

Changes

We may update these Terms. Material changes will be communicated via email to account holders or via in-product notice. Continued use after changes constitutes acceptance.