Terms & Conditions

Last Updated: July 10, 2026

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY.

These Terms and Conditions of use, together with all modifications and any rules, policies, or additional terms that we may publish from time to time (collectively, the "Terms"), govern your access to and use of the Internet site(s), applications, email and newsletter communications, podcast(s), and online services operated by, controlled by, or affiliated with LexReg, LLC ("LexReg," "we," "us," or "our") (collectively, the "Services"). These Terms incorporate our Privacy Policy by reference.

By accessing or using the Services, you signify that you have read, understand, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not access or use the Services.

We may change these Terms from time to time and at any time. All such changes will be posted on LexRegPulse.com and reflected in the "Last Updated" date above. By continuing to access or use the Services after we post any changes, you agree to accept those changes, whether or not you have reviewed them. Certain parts of the Services and other LexReg offerings work differently and may be subject to additional or separate terms and conditions, which will apply in addition to these Terms.

1. Eligibility and Permitted Use

The Services are made available solely to individuals who are at least 18 years of age. By accessing or using the Services, you represent and warrant that you are at least 18 years old.

The Services are provided for informational and professional purposes. We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Services for your own internal business or professional use, subject to these Terms. You agree to provide true, accurate, current, and complete information about yourself as prompted by any subscription, contact, registration, or submission form. If any information you provide is untrue, inaccurate, not current, or incomplete, we reserve the right to suspend or terminate your access to and use of the Services.

2. Informational Purposes Only; No Professional Advice

The Services, including all briefings, summaries, sentiment scores, analyses, podcasts, blog posts, alerts, and other content made available through the Services (collectively, "Content"), are provided for general informational purposes only. The Content does not constitute, and should not be relied upon as, legal, regulatory, compliance, accounting, investment, financial, or other professional advice, and it is not a substitute for advice from a qualified professional.

Your access to or use of the Services does not create any attorney-client, fiduciary, advisory, or other professional relationship between you and LexReg. The regulatory, banking, and fintech developments described in the Content are summarized for convenience and may not be complete, current, or applicable to your particular circumstances. You should independently verify any information against primary sources and consult your own qualified advisors before taking or refraining from any action based on the Content.

LexReg is a publisher of regulatory intelligence and software. It is not a bank, lender, broker-dealer, investment adviser, money transmitter, or other financial institution, and it does not extend credit, take deposits, hold or transmit customer funds, or provide any financial service to clients. Nothing in the Services is an offer of, or solicitation for, any financial product.

3. AI-Generated and Automated Content

You acknowledge and agree that some or all of the Content is generated, summarized, scored, or curated in whole or in part by artificial intelligence, machine learning, and other automated systems. While we strive for accuracy and reliability, AI-generated and automated Content may contain errors, omissions, inaccuracies, or outdated information, and may not capture the full context, nuance, or applicability of the underlying regulatory developments.

Sentiment indices, risk scores, predictive signals, and similar outputs are analytical estimates produced by automated models. They are not guarantees, predictions of outcomes, recommendations, or professional advice, and you should not rely on them as such. You assume all responsibility and risk for any decisions made or actions taken in reliance on the Content.

4. Subscriptions, Communications, and Sponsored Content

When you subscribe to our briefings, newsletters, or other communications, you agree to receive those communications at the email address you provide. You may opt out of marketing or promotional communications at any time as described in our Privacy Policy. We may continue to send you non-promotional or transactional messages relating to your subscription or our ongoing relationship, even after you opt out.

From time to time, the Services may include advertising, sponsorships, or sponsored content provided by third parties. Where Content is sponsored or paid for, we will identify it as such (for example, through a label or subject-line indicator). By subscribing to the Services, you acknowledge that you may occasionally receive sponsored messages. Your dealings with, or participation in promotions of, any advertiser or sponsor, including the delivery of and payment for goods and services, are solely between you and that third party.

5. User Conduct

You agree not to use the Services to:

  • Upload, post, publish, email, reproduce, distribute, or otherwise transmit any information, data, text, audio, photographs, graphics, video, messages, or other materials (collectively, "Submissions") that are unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, deceptive, fraudulent, invasive of another's privacy, or hateful;
  • Stalk, harass, degrade, or intimidate any individual or group on the basis of religion, gender, sexual orientation, race, ethnicity, age, disability, or any other protected characteristic;
  • Harm minors in any way;
  • Impersonate any person or entity, including any LexReg official, or falsely state or misrepresent your affiliation with a person or entity;
  • Forge headers or otherwise manipulate identifiers to disguise the origin of any Submission transmitted through the Services;
  • Upload or transmit any material that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, or proprietary or confidential information disclosed in connection with employment or under a nondisclosure agreement);
  • Upload or transmit any material that infringes any patent, trademark, trade secret, copyright, or other proprietary or confidentiality right of any party;
  • Upload or transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
  • Upload or transmit any material that contains software viruses, Trojan horses, worms, time bombs, or any other code, files, or programs designed to interrupt, destroy, or limit the functionality of any software, hardware, or telecommunications equipment, or to surreptitiously intercept or expropriate any system, data, or personal information;
  • Interfere with or disrupt the Services, or the servers or networks connected to the Services, or disobey any requirements, procedures, policies, or regulations of networks connected to the Services;
  • Access, scrape, harvest, index, or collect data from the Services through automated means (including bots, crawlers, or scrapers) except as expressly permitted in writing by us, or use such information to transmit or facilitate unsolicited bulk communications;
  • Engage in any activity contrary to the purpose of the Services, including subscribing another party without authorization or registering multiple subscriptions under the same or different names; or
  • Violate any applicable local, state, national, or international law.

We have the right (but not the obligation), in our sole discretion, to refuse, remove, or restrict access to any Submission that, in our judgment, does not comply with these Terms or is otherwise objectionable, and to preserve or disclose any Submission if required by law or if we reasonably believe such preservation or disclosure is necessary to comply with legal process, enforce these Terms, respond to claims of third-party rights violations, or protect the rights, property, or safety of LexReg, our users, or the public. We do not pre-screen Submissions and are not responsible for material submitted by users. You agree to notify us promptly of any unauthorized use of the Services or any other known or suspected breach of security.

6. Submissions and Feedback; Limited License to LexReg

We do not solicit and do not wish to receive any confidential, secret, or proprietary information from you through the Services or our email addresses. Any Submission, including any feedback, suggestions, ideas, or other information you send to us, will be deemed non-confidential and non-proprietary. By making a Submission, you represent and warrant that it is original to you (or that you have all necessary rights to it) and that no other party has any rights to it.

By making a Submission, you grant LexReg a royalty-free, unrestricted, worldwide, perpetual, irrevocable, non-exclusive, and fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such Submission (in whole or in part), and to incorporate it into other works in any form, media, or technology now known or later developed. You waive any "moral rights" in your Submissions to the extent permitted by applicable law. You remain responsible for the accuracy, legality, and propriety of your Submissions.

7. Restrictions on Use of Content

The Content is intended for your informational use only. Except as expressly permitted, you agree not to use the Services or Content for resale, redistribution, or other commercial exploitation, and you may not modify, copy, reproduce, republish, display, transmit, adapt, create derivative works from, or otherwise exploit the Content. You may not remove, obscure, or alter any author attribution, trademark, legend, or copyright notice. You may print or save individual portions of the Content solely for your own internal reference, provided that all proprietary notices remain intact. Any other use, including republication, redistribution, or use to build or train a competing product or model, requires our prior written consent. You must abide by all additional copyright notices and restrictions contained in the Services.

8. Intellectual Property Rights

All materials contained in the Services are the property of LexReg and its affiliates or licensors and are protected by applicable U.S. and non-U.S. copyright, patent, trademark, trade secret, and other intellectual property laws. As between you and LexReg, LexReg is the sole owner of all Content, including all related intellectual property rights. Except as expressly provided in these Terms, you may not download, copy, or save the Content, or any portion of it, for any purpose. All trademarks, service marks, and logos displayed on the Services are the property of LexReg or their respective owners, and nothing in these Terms grants you any right to use them.

9. Linked Sites

The Services may contain links to third-party websites or resources ("Linked Sites"). Linked Sites are not reviewed, controlled, or examined by us, and we are not responsible for the content, availability, advertising, products, or other materials of any Linked Sites. These links do not imply our endorsement of or association with the Linked Sites. It is your sole responsibility to comply with the applicable terms of any Linked Site and with any obligations under applicable law. In no event will LexReg be liable, directly or indirectly, for any loss or damage arising from your use of any Linked Site. We reserve the right, in our sole discretion, to add, change, or remove any link without notice. Any concerns regarding a Linked Site should be directed to that site's administrator.

10. Privacy

We are committed to protecting your privacy. Our collection, use, and sharing of data through the Services is described in our Privacy Policy, which is incorporated into these Terms by reference. Please review it carefully.

11. Disclaimer of Warranties

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS," "WHERE IS," AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WITHOUT LIMITATION, LEXREG SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, COMPLETENESS, APPROPRIATENESS, RELIABILITY, TIMELINESS, OR USEFULNESS OF THE CONTENT OR THE SERVICES; AND (ii) ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.

THIS DISCLAIMER APPLIES TO ANY DAMAGES OR INJURY CAUSED BY THE SERVICES, INCLUDING WITHOUT LIMITATION AS A RESULT OF (1) ANY ERROR, OMISSION, DELETION, OR DEFECT IN THE CONTENT, OR (2) ANY FAILURE OF PERFORMANCE, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF ANY RECORD, WHETHER FOR BREACH OF CONTRACT, TORT, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. LEXREG DOES NOT WARRANT THAT (1) ANY PORTION OF THE SERVICES WILL BE FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER CONTAMINATING OR DESTRUCTIVE PROPERTIES; OR (2) THAT ACCESS TO THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.

LEXREG MAKES NO REPRESENTATIONS REGARDING THE USE OR RESULTS OF THE USE OF THE CONTENT. YOU (AND NOT LEXREG OR ANY OF ITS AGENTS) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

12. Limitation of Liability

IN NO EVENT WILL LEXREG, OR ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, SPONSORS, ADVERTISERS, PARENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS, BE LIABLE TO ANY PARTY (i) FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE, RELIANCE ON, OR INABILITY TO USE THE SERVICES OR CONTENT, EVEN IF LEXREG OR ITS AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF, THE SERVICES OR CONTENT. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS LEXREG'S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

13. Indemnification

Upon our request, you agree to defend, indemnify, and hold harmless LexReg and its affiliates, officers, directors, members, and employees from any and all claims, liabilities, costs, and expenses, including reasonable attorneys' fees, arising in any way from your use or misuse of the Services, your Submissions, or your violation of these Terms. LexReg reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with LexReg in asserting any available defense.

14. Copyright Complaints and Designated Agent

We respect the intellectual property rights of others and ask that users of the Services do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact [email protected] with the following:

  • Your name, address, telephone number, and email address;
  • A description of the copyrighted work you claim has been infringed;
  • A description of where the alleged infringing material is located on the Services;
  • A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  • An electronic or physical signature of the person authorized to act on behalf of the copyright owner; and
  • A statement, made under penalty of perjury, that the above information is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

15. Governing Law and Jurisdiction

You agree that the laws of the State of New York, excluding its conflicts-of-law rules, shall govern these Terms. Your use of the Services may also be subject to other local, state, national, and international laws. You expressly agree that exclusive jurisdiction and venue for any claim or dispute with LexReg, or relating in any way to your use of the Services, resides in the state and federal courts located in New York County, New York and you consent to the exercise of personal jurisdiction in those courts.

We control and operate the Services from our offices in New York, New York. We make no representation that the Services or Content are appropriate or available for use outside that location. Persons who access the Services from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

16. Severability

If any part of these Terms is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

17. Assignment

You shall not transfer, assign, sublicense, or pledge in any manner any of your rights or obligations under these Terms. LexReg may transfer, assign, sublicense, or pledge any of its rights and obligations under these Terms to a subsidiary, affiliate, or successor, or to any third party, without notifying you or obtaining your consent.

18. Additional Terms; Entire Agreement

Certain offerings made available by LexReg or its affiliates (for example, our API and LexRegulator) are governed by separate or additional terms and conditions, which apply in addition to, and in the event of a conflict control over, these Terms with respect to those offerings. These Terms, together with our Privacy Policy and any such additional terms, constitute the entire agreement between you and LexReg regarding your use of the Services.

19. Contact Us

If you have any questions about these Terms or the Services, please email us at [email protected].