EIN: 94-3278867

Terms of Service

Effective: February 16, 2026

1. Acceptance of Terms

By accessing or using Clarifi ("the Service"), operated by Surface Owl Inc. ("we", "us", "our"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

Clarifi provides structured access to publicly available IRS Form 990 nonprofit filing data. The Service includes data extraction, search, visualization, and AI-powered question answering with source citations.

3. Accounts and Access

Access to Clarifi requires authentication via Google OAuth. You are responsible for maintaining the security of your account. You must not share your access or attempt to access accounts belonging to others. We reserve the right to suspend or terminate accounts that violate these terms.

4. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose.
  • Attempt to scrape, crawl, or bulk-download data from the Service.
  • Interfere with or disrupt the Service or its infrastructure.
  • Reverse-engineer, decompile, or disassemble any part of the Service.
  • Misrepresent data obtained from the Service as coming from an official IRS or government source.

5. Data Accuracy and Disclaimer

Clarifi extracts and presents data from publicly available IRS filings. While we strive for accuracy:

  • Data from IRS XML filings (2014+) is extracted deterministically and verified against independent benchmarks.
  • Data from older PDF filings (pre-2014) is extracted using AI and OCR, which may contain errors.
  • All answers include citations to their source documents for independent verification.

The Service is provided for informational purposes only. Data presented by Clarifi should not be relied upon as the sole basis for financial, legal, tax, or investment decisions. Always verify critical information against original IRS filings.

6. AI-Powered Features

Clarifi uses artificial intelligence, including large language models provided by Anthropic (Claude), to:

  • Answer natural-language questions about nonprofit filings.
  • Extract structured data from scanned PDF documents.
  • Synthesize information across multiple years of filings.

AI-generated responses may contain errors or inaccuracies. Every AI-generated answer includes citations to source documents so you can verify the underlying data. Numeric financial values are retrieved from structured data via direct lookup, not generated by AI.

Your query text is sent to third-party AI providers for processing. No personally identifiable account information is included in these requests. See our Privacy Policy for details.

7. Intellectual Property

The Clarifi application, including its source code, design, user interface, and documentation, is the property of Surface Owl Inc. and is protected by copyright and other intellectual property laws. Clarifi is a trademark of Surface Owl Inc.

The underlying IRS Form 990 filing data presented through the Service is public record and is not claimed as our intellectual property. Data is sourced from ProPublica Nonprofit Explorer, the IRS, and the National Center for Charitable Statistics, subject to their respective terms.

All other trademarks referenced in the Service belong to their respective owners.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SURFACE OWL INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

  • YOUR USE OF OR INABILITY TO USE THE SERVICE;
  • ANY ERRORS, INACCURACIES, OR OMISSIONS IN DATA PRESENTED BY THE SERVICE;
  • ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR YOUR PERSONAL INFORMATION;
  • ANY DECISIONS MADE BASED ON INFORMATION PROVIDED BY THE SERVICE.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DATA WILL BE COMPLETELY ACCURATE.

10. Indemnification

You agree to indemnify and hold harmless Surface Owl Inc. from any claims, damages, losses, or expenses arising from your use of the Service or violation of these terms.

11. Changes to Terms

We may update these terms from time to time. Material changes will be communicated by posting the revised terms with a new effective date. Your continued use of the Service after changes are posted constitutes acceptance of the updated terms.

12. Governing Law

These terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes arising under these terms shall be resolved in the courts located in San Francisco County, California.

13. Contact

For questions about these terms, contact us at .