Disclosure Agreement
The disclosures governing use of the L'OR Analytics website and reporting workflow.
Important legal-review notice
This document describes the current beta application's intended operating practices. It should be reviewed by qualified legal counsel before production adoption. If this document conflicts with a signed customer agreement, the signed agreement controls to the extent of that conflict.
Summary of What You’re Agreeing To
- This is not professional, regulatory, or supervisory advice.
- You are responsible for all decisions made using the reports or analytics.
- You agree to binding arbitration instead of court litigation.
- You agree to limits on liability and damages.
- You acknowledge our ownership of all intellectual property.
- You agree to indemnify the company for misuse or violations.
- You agree to keep proprietary information confidential.
Full Disclosure Agreement (Click to Expand)
Documents included
This Website Disclosure incorporates the following documents, each of which is available separately and versioned with this disclosure bundle:
Purpose of the service
L'OR Analytics is a business-to-business analytical and decision-support service for banks, credit unions, and their professional advisers. It transforms identified public regulatory data into reports, calculations, comparisons, charts, presentations, and explanatory narrative. It does not make customer-level eligibility decisions and does not provide legal, regulatory, accounting, investment, lending, underwriting, or compliance advice.
No regulatory affiliation or endorsement
L'OR Analytics and L'OR Financial Analytical Systems are not affiliated with or endorsed, approved, certified, or sponsored by the FFIEC, FDIC, Federal Reserve, OCC, NCUA, or any other governmental or regulatory agency. References to agency reports, data, and guidance identify sources or risk-management principles only.
User responsibility
Users remain responsible for independently reviewing material information and determining whether any report is appropriate for their intended purpose, governance process, and legal or regulatory obligations.
Legal Terms, Liability, Arbitration & IP Protection
1. Governing Law
This Agreement is governed by and construed in accordance with the laws of the State of Missouri, without regard to conflict‑of‑law principles.
2. No Professional Advice
The Services, analytics, reports, narratives, insights, and outputs provided by LOR Analytics LLC (“Company”) are for informational purposes only. They do not constitute financial, legal, regulatory, supervisory, accounting, or strategic advice. Client is solely responsible for all decisions made using or informed by the Services.
3. Accuracy & Use of Data
Client is solely responsible for the accuracy, completeness, and legality of all data, inputs, and information provided to the Company. The Company makes no representation regarding the accuracy of third‑party data sources, including but not limited to FFIEC, NCUA, or other regulatory datasets.
4. Service Disclaimers
To the fullest extent permitted by Missouri law, the Services are provided on an “as‑is” and “as‑available” basis. The Company disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non‑infringement. The Company does not guarantee any particular outcome, performance improvement, or decision quality.
5. Limitation of Liability
To the maximum extent permitted by Missouri law:
The Company’s total aggregate liability for any claim arising out of or relating to this Agreement shall not exceed the fees paid by Client in the twelve (12) months preceding the claim.
The Company shall not be liable for indirect, incidental, special, punitive, exemplary, or consequential damages, including lost profits, lost data, lost business, reputational harm, or business interruption.
The Company shall not be liable for decisions made by Client based on the Company’s analytics, reports, insights, or interpretations.
6. Indemnification
Client agrees to indemnify, defend, and hold harmless LOR Analytics LLC and its members, officers, employees, contractors, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including attorneys’ fees) arising out of or relating to:
- Client’s use or misuse of the Services
- Client’s decisions, actions, or representations based on the Company’s outputs
- Client’s breach of this Agreement
- Client’s violation of applicable laws or regulations
- Any third‑party claims arising from Client’s data, inputs, or instructions
7. Intellectual Property
All software, algorithms, models, analytics, reports, narratives, visualizations, and related intellectual property are the exclusive property of LOR Analytics LLC. Client receives only the limited rights expressly granted in this Agreement.
8. IP Protection & Injunctive Relief
The Company may seek injunctive relief in Missouri state or federal courts for IP infringement, misappropriation of trade secrets, breach of confidentiality, or unauthorized access, use, or distribution of the Services. These actions are not subject to arbitration.
9. Confidentiality
Client agrees to maintain the confidentiality of all non‑public information provided by the Company, including methodologies, algorithms, processes, and proprietary analytics.
10. Mandatory Binding Arbitration
Except for claims seeking injunctive relief under Section 8, any dispute arising out of or relating to this Agreement shall be resolved exclusively through binding arbitration administered by the AAA under its Commercial Arbitration Rules. Arbitration shall take place in St. Louis County, Missouri. The parties waive all rights to a jury trial.
11. Confidentiality of Arbitration
All arbitration proceedings, filings, testimony, evidence, and awards shall be strictly confidential.
12. Small Claims Carve‑Out
Either party may bring an individual claim in Missouri small claims court if the claim qualifies.
13. Claim Time Limit
Any claim must be brought within one (1) year of the event giving rise to the claim. Claims brought after this period are permanently barred.
14. Survival
All provisions of this section survive termination of the Agreement.