Copyright & Content Use

1.What we own

© 2026 Infinidatum LLC. All rights reserved. The following are original works of authorship protected under the Copyright Act of 1976, 17 U.S.C. § 101 et seq., and under database, contract and unfair-competition law:

• The models and their expression — the scorecards, the fitted merger coefficients, the published weights, the band thresholds, the peer-cohort constructions, the feature definitions and the calibration procedure. The expression of these methods is copyrighted; several of them are also maintained as trade secrets.
• The compilation — the selection, coordination and arrangement of institution-level data into the quarterly panel, the territories, the cohorts, the rankings, the movers digests and the buyer-seller matches. Individual facts are owned by nobody; an original arrangement of them is protectable as a compilation under 17 U.S.C. § 103, and this one is.
• The written output — the plain-English reason attached to every score, the score decompositions, the methodology notes and the editorial copy on this site, including how each one is framed and sequenced.
• The service itself — software, source code, database schema, API design, page design, visual identity and copy.

2.What we do not own

We claim no ownership of the underlying facts. An institution’s asset total, its delinquency ratio, its member count — these are facts about the world. No one owns a fact, we have never suggested otherwise, and nothing in this policy should be read as an attempt to fence one off. If you obtain the same figure elsewhere, it is yours to use.

The line is between the fact and the work. Our parsing, normalization, ratio construction, peer cohorting, scoring and writing is the work, and section 1 applies to it. Where a source imposes its own terms on the underlying material, those terms travel with it and are not displaced by anything here.

The names, marks and logos of the institutions the Service covers belong to those institutions. They appear descriptively, to identify the subject of an analysis. Their appearance is not sponsorship, endorsement or affiliation in either direction.

3.Reservation of rights: text and data mining, and AI training

We expressly reserve all rights to use the content of CUSignals for text and data mining, web scraping, corpus construction, and the training, fine-tuning, grounding, distillation or evaluation of any artificial-intelligence or machine-learning model. No such use is permitted without our prior written license. This reservation is made expressly and in machine-readable form, and is intended to operate as a reservation of rights under Article 4(3) of EU Directive 2019/790 and as an enforceable contractual restriction in the United States.

We do not treat all automated agents alike, and the distinction is deliberate:

• Search and answer engines are welcome. A crawler that fetches a public page to answer somebody’s question and cites us back has our permission and full access. It sends readers to us; that is the trade, and it is a fair one.
• Harvesting and training crawlers are not. Bulk extraction that builds a model or a competing dataset, with no citation and no referral, is refused. Our robots.txt is where that permission is stated per agent, and it is a statement of our terms rather than a suggestion. Disregarding it does not create a license.

Circumventing a technical access control, misrepresenting a user agent, using a subscriber’s credentials to acquire content at scale, or obtaining through an intermediary dataset what we have refused directly, is a breach of these terms however the content is finally acquired.

4.What you may do with our content

Subscribers own the exports they take and may use them internally; the Terms of Use govern that. For everyone else, and for our public pages:

• Quote us and cite us. A reasonable, limited extract — a figure, a finding, a sentence or two — in reporting, research, board materials, a regulatory filing or commentary, provided you attribute it to CUSignals and link to the page you took it from.
• Link to us. Always fine. No permission needed, no attribution formalities, no nofollow requirement.
• Describe our method. Explaining how our scoring works, agreeing with it, or arguing that it is wrong, is commentary and criticism. We publish the weights so people can do exactly that.

Suggested citation: CUSignals, “[Page title],” [date accessed], [URL].

5.What you may not do

Without a written license from us, you may not:

• reproduce, republish or redistribute our scores, decompositions, digests or analyses in substantial part, whether free or for a fee, and whether or not you attribute them;
• scrape, crawl, harvest or systematically extract our pages, exports or API responses, or use automated means to assemble a copy or a derivative dataset;
• use our content to train, fine-tune, ground, benchmark or evaluate a model (section 3);
• present our output as your own, or as the output of a model or dataset you built; or
• strip, obscure or alter an attribution, watermark or provenance marker on anything you received from us.

6.Licensing and permissions

Everything in the previous section is available under license, and we would rather license it than argue about it. Redistribution rights, embedding scores in your own product, warehouse-direct delivery, research and academic use, and press use beyond a short quote are all things we grant routinely. Write to admin@infinidatum.net with what you want to use, where it will appear and for how long, and you will get a straight answer.

7.Copyright complaints: notice and takedown

We respect other people’s intellectual property and expect the same. If you believe material on CUSignals infringes a copyright you own or are authorized to act for, send a written notice to our designated agent with “DMCA notice” in the subject line. We act on complete, good-faith notices promptly; you do not have to sue us to get our attention.

Designated agent for copyright notices
Copyright Agent, Infinidatum LLC
c/o its registered agent, Hartford, Connecticut, USA
Email: admin@infinidatum.net

This agent is registered with the United States Copyright Office. The full postal address and telephone number on file are public and searchable in the Copyright Office’s Designated Agent Directory, which is the authoritative record; where that record and this page ever differ, the record governs, and a notice sent to whichever contact the Directory lists is effective regardless of what this page says. A notice sent to the address above is effective too: we treat email as we would a posted notice, and we will not take a point on the channel a complainant chose. If you want certainty on a time-sensitive notice, send it to both.

Under 17 U.S.C. § 512(c)(3), a notice must contain all of the following:

1. a physical or electronic signature of the copyright owner or someone authorized to act for them;
2. identification of the copyrighted work claimed to be infringed, or a representative list if there are several;
3. identification of the material claimed to be infringing, in enough detail for us to find it — a URL is best;
4. your name, address, telephone number and email address;
5. a statement that you have a good-faith belief the use is not authorized by the owner, its agent or the law; and
6. a statement, under penalty of perjury, that the notice is accurate and that you are the owner or authorized to act for them.

Please be accurate. Under 17 U.S.C. § 512(f) a person who knowingly and materially misrepresents that material is infringing can be liable for damages, including costs and legal fees.

A notice that omits one of the six elements is not a notice under the statute, and we may not be able to act on it. If yours is incomplete we will say which part is missing rather than ignoring it — but the clock on our obligation starts from a complete one.

8.Counter-notification

If we removed material of yours and you believe that was a mistake or a misidentification, send a counter-notification to the same address under 17 U.S.C. § 512(g)(3) containing:

1. your physical or electronic signature;
2. identification of the material and where it appeared before it was removed;
3. a statement under penalty of perjury that you have a good-faith belief it was removed as a result of mistake or misidentification;
4. your name, address and telephone number; and
5. a statement that you consent to the jurisdiction of the federal district court for the district in which you live (or, if outside the United States, any district in which we may be found), and that you will accept service of process from the complainant.

We forward valid counter-notifications to the original complainant. If they do not tell us within ten business days that they have filed an action seeking a court order, we may restore the material.

9.Repeat infringers and abusive agents

We have adopted and will reasonably implement a policy of terminating, in appropriate circumstances, the accounts of repeat infringers, as 17 U.S.C. § 512(i) contemplates. We may also terminate access for a single flagrant infringement, and we block automated agents that disregard our robots.txt, our reservation of rights, or our access controls.

10.Questions and changes

Permission requests, citation questions and anything else about this policy go to admin@infinidatum.net. Formal complaints should follow the notice procedure in section 7 so they are logged and dated correctly. This policy sits alongside the Terms of Use; where the two address the same subject, this policy controls on any question of copyright or content use.