Terms of Service

Last updated: August 1, 2026

These Terms of Service (“Terms”) govern your access to and use of the services operated by D & F Research, LLC, a Florida limited liability company (“we,” “us,” or the “Company”). By using either service you agree to these Terms. You are reading them on FiduciarySignal.

1. The Services

We operate two separate products under one company:

• FiduciarySignal displays public Form 5500 ERISA filings, computes peer-group benchmarks, and generates summary reports for retirement-plan research.
• Benefit Signals helps benefits brokers and insurance agents with group-insurance renewal prospecting, drawing on Form 5500 Schedule A insurance data and related public and licensed business data.

FiduciarySignal and Benefit Signals are separate products, and the plan you buy at checkout controls which of them you get. The standalone Benefit Signals plan ($60/month or $600/year) grants Benefit Signals only — it does not include FiduciarySignal’s retirement tools. The All Access plan ($90/month or $900/year) includes both FiduciarySignal and Benefit Signals. Some grandfathered FiduciarySignal plans grant the retirement tools without Benefit Signals. The Services are provided for informational and professional research purposes.

Some Benefit Signals features surface businesses that have no group-health Form 5500 on file. The absence of a filed group-health plan does not by itself establish that an employer offers no coverage — a business may provide coverage in a form that is not separately filed. Treat these as prospecting indicators to verify, not as confirmed facts about a business.

1A. Pricing, subscriptions, and charges

The Services are sold as separate paid subscriptions. The current plans, prices, and trial length shown at checkout control over any figures stated here or elsewhere.

• All Access (FiduciarySignal and Benefit Signals together) is $90 per month or $900 per year.
• Benefit Signals on its own is $60 per month or $600 per year.
• Free trial — monthly plans only. A new account that chooses a monthly plan may start with a 7-day free trial. We collect your payment method at checkout; you are not charged during the trial. Unless you cancel before it ends, the trial converts to the monthly plan you chose and the first charge is made on day 8. Only one free trial is available per account, ever, across both Services.
• Annual plans — charged at checkout, no trial. Annual plans do not include a free trial. If you choose an annual plan, your payment method is charged the full annual price at checkout, and the subscription renews annually until you cancel.
• Automatic renewal. Paid subscriptions renew automatically each billing period (monthly or annual) until canceled. You authorize us, through our payment processor, to charge your payment method the applicable recurring fee.
• Pay-as-you-go items. FiduciarySignal may charge one-time fees for certain individually revealed items (for example, individually revealed data “signals”). You are shown the price before you request a charged item. These per-reveal charges apply to FiduciarySignal only; Benefit Signals has none.
• Cancellation. You may cancel at any time through the billing portal. Cancellation takes effect at the end of the current paid period; you keep access until then and are not charged for the following period. Fees already paid are non-refundable except where required by law.
• Price changes. We will give notice of any change to recurring prices before it takes effect; continued use after it takes effect constitutes acceptance.

2. Eligibility and accounts

• The Services are business-to-business tools for professional use. Intended users include retirement-plan advisors, plan sponsors, and ERISA professionals (FiduciarySignal) and benefits brokers, insurance agents, and group-insurance agents (Benefit Signals).
• You must be at least 18 years old to create an account.
• Accounts are personal and may not be shared.
• You are responsible for maintaining the security of the email address linked to your account.

3. Acceptable use

You agree not to:

• Scrape, mirror, or systematically download the Services’ compiled data, benchmarks, or report content.
• Attempt to bypass authentication, rate limits, or other security controls.
• Use the Services to harass, defame, or unlawfully solicit individuals identified in the data.
• Re-publish generated reports in a way that implies they are produced by the U.S. Department of Labor, the Small Business Administration, or any government agency.
• Use the Services to violate any applicable law or third-party right.

4. Data sources and accuracy

The information the Services display is compiled from several sources: public Form 5500 filings and their Schedule A insurance schedules from the U.S. Department of Labor EFAST2 system; public U.S. Small Business Administration loan data; a third-party job-posting data provider; and business-contact data licensed from a third-party data provider. We make reasonable efforts to import and present this data accurately but make no warranty of completeness, timeliness, or correctness. Filers sometimes submit amendments or corrections after their initial filing, and third-party data may be out of date. Always verify against the original filing or record before relying on a figure or a contact for a material decision.

5. Intellectual property

The underlying Form 5500 data and other public government records are in the public domain; business-contact and other licensed data remain the property of their respective providers. The Services’ compiled benchmarks, peer-group methodology, report templates, charts, software, and visual design are owned by D & F Research, LLC and protected by copyright and other laws. You may use generated reports for your own internal and client-facing professional work; you may not resell the Services or their compiled outputs as a standalone product, and you may not extract or redistribute the licensed business-contact data.

6. Disclaimer of warranties

The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure.

7. Limitation of liability

To the maximum extent permitted by law, D & F Research, LLC and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, or data, arising from your use of the Services. Total aggregate liability for any claim arising out of or relating to the Services shall not exceed one hundred U.S. dollars (US$100).

8. Termination

You may stop using the Services at any time and request account deletion by emailing support@fiduciarysignal.com. We may suspend or terminate your access if you violate these Terms or use the Services in a way that risks harm to other users or the Services themselves.

9. Changes to the Terms

We may update these Terms from time to time. Material changes will be indicated by updating the “Last updated” date above. Continued use of the Services after a change indicates acceptance.

10. Governing law

These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Services shall be brought exclusively in the state or federal courts located in Florida.

11. Contact

Questions about these Terms? Email support@fiduciarysignal.com.