Legal
Last updated: June 22, 2026
These terms cover what you get when you use BankingLens, what we promise, what we do not, and how we handle the parts nobody likes to read until something goes wrong. Using the site or buying a report means you accept them. If you do not, do not use the product.
BankingLens is a research tool. It reads public FFIEC call reports and SBA filings, organizes them, and turns them into scorecards, rankings, and reports. That is the whole job. We are not a lender, a broker, a financial advisor, or a guarantor of anything. We do not place loans and we do not take a cut of any loan you get. BankingLens is owned and operated by Data Clarity LLC, a Missouri company.
When you buy a borrower report, you get a digital PDF that ranks banks against the scenario you entered, built from public lending data, and delivered to your email. Each purchase covers one scenario. Change the scenario in a meaningful way (different loan amount, different state, different industry) and that is a different report.
We do not promise that any bank in your report will approve you, talk to you, or return your call. We have no inside relationships and no special access. The report is research output: it shows you which banks have publicly disclosed lending behavior that matches your scenario. It is not a pre-approval, a referral, or a guarantee. A banker can still say no for reasons that never show up in a call report.
Current pricing:
Prices can change for future purchases. If you are an active subscriber, your current rate is grandfathered until your next renewal, at which point the then-current price applies.
Refunds are handled by product type and spelled out in full on the Refund Policy page. Read it before you buy.
If you subscribe to the dashboard, you get an account, and you are responsible for keeping your login credentials secure. This section does not apply to one-off PDF buyers, who do not need an account to purchase or receive a report.
Our methodology, scoring logic, and report design are proprietary to Data Clarity LLC. The underlying data is not: FFIEC call reports and SBA FOIA disclosures are public-domain government records, and we claim no ownership over them.
You can share your PDF with your accountant, your lender, or your business partner. What you cannot do is republish our reports or methodology as your own work, or resell them.
Do not scrape the site. Do not automate purchases and resell the output as your own service. Do not reverse-engineer the dashboard. If you want bulk or commercial access, email us and we will talk.
The product is provided as is. Our full disclaimer is on the Disclaimer page, and it is worth reading. One point bears repeating here: the data reflects quarterly filings and is typically 60 to 90 days behind real-time, so a report describes how banks lent recently, not how they will decide today.
To the maximum extent permitted by law, the total liability of Data Clarity LLC for any claim arising out of or relating to a product is capped at the amount you paid for that product, which is $49 or $99. We are not liable for indirect, incidental, or consequential damages, including any lending decision you make based on a report.
You agree to cover Data Clarity LLC for claims, losses, and reasonable legal costs that arise from your misuse of the product or your breach of these terms. This is the standard backstop, nothing exotic.
These terms are governed by the laws of the State of Missouri, without regard to conflict-of-law rules. For any matter not suited to small claims, the federal courts in the Eastern District of Missouri have jurisdiction.
Start informally: email us at hello@bankinglens.com and give us a real chance to fix it. Most problems end there. If that does not resolve it, the matter proceeds to small claims court in St. Louis, or to arbitration where that is the appropriate route.
We may update these terms as the product and the law evolve. The "Last updated" date at the top reflects the current version. Continuing to use BankingLens after an update means you accept the revised terms.
Questions about these terms go to hello@bankinglens.com. Mail reaches Data Clarity LLC, St. Louis, Missouri, United States.
