Contract compliance grounded in governing law

Know what your contract actually allows.

See the obligations, restrictions and compliance gaps in an offer letter, lease or loan agreement, checked against the state and federal law that governs each provision. You get a Fairness Score and a plain-English summary within minutes, before you sign.

Stipulex is a contract intelligence engine, building toward launch, for jurisdictional contract compliance grounded in governing law. It checks each provision of an agreement such as an offer letter, lease or loan against the state and federal law of its jurisdiction, and surfaces risk, fairness and compliance gaps before you sign. You get a Fairness Score, an annotated copy of your contract and a plain-English summary within minutes. Stipulex does not provide legal advice.

Fairness ScoreVENDOR-MSA_2026-08.PDF
  • High§9.2Uncapped indemnification
  • Moderate§4.1Auto-renewal, 90-day notice window
  • Low§11.3Venue: Santa Clara County

47 CLAUSES · ANALYZED WITHIN MINUTES

01The problem we solve

The signing screen is designed to be finished, not read.

A countdown. A pre-checked box. Pages of contractual language most people never fully examine. People sign because they need the job, the apartment, the loan or the service, not because they understand every obligation they’re accepting. That’s not a failure of intelligence. It’s an information imbalance between the party drafting the agreement and the person signing it.

Stipulex exists to close that gap.

9%1
of annual revenue the average business loses to poor contract management
36.2M2
U.S. small businesses. More than 8 in 10 have no employees, let alone a legal team.
$349/hr3
the average U.S. lawyer’s hourly rate. In California, $420.

Sources: 1 World Commerce & Contracting, Contract Management whitepaper (Aug 2025) (opens in a new tab) · 2 SBA Office of Advocacy, 2025 Small Business Profile (opens in a new tab) · 3 Clio, Legal Trends Report (2025) (opens in a new tab)

02What you get

Institutional-grade analysis, operator-grade delivery

One page. Four kinds of notes in the margin.

Independent Contractor Agreement38/100 · P. 3/9

7.1Contractor agrees that all work product, including work created prior to the Effective Date, shall be the sole property of Company.

7.2Contractor shall not, for a period of twenty-four (24) months following termination, provide services to any client of Company in any capacity.

8.1Company may terminate this Agreement at any time without notice. Contractor may terminate upon ninety (90) days written notice.

9.4Payment shall be due within sixty (60) days of invoice, subject to Company’s acceptance of deliverables in its sole discretion.

  1. Fairness ScoreOne number, 0 to 100, for how evenly the document treats both sides. It measures balance, not legality: a contract can be legal and still lopsided. This one scores 38.
  2. Jurisdiction notesHow the state whose law governs the contract tends to treat each flagged term.
  3. Risk flagsThe clauses most likely to cost you, ranked high, moderate and low, and marked where they sit in the document.
  4. Clause-level readingEvery clause explained in the words you’d use, not the words they used.
  • Comprehensive analysis, delivered within minutesEvery clause read and checked against the law that governs it. Not skimmed for highlights.
  • A plain-English summaryEvery finding explained in the words you’d use, at a reading level anyone can act on, so you know what to push back on before you sign.
  • Detailed executive summary and key findingsProvision-level findings with the governing law behind each one, in an annotated PDF or DOCX you can file, forward or negotiate from.
  • Your files, your callBy default your file is held in memory only, never written to disk, and gone the moment analysis completes. Or keep the contracts you choose in the Contract Vault, encrypted with AES-256 at rest. Either way, nothing is used to train anything.
03How it works

Legal authority behind every finding

  1. 01
    Upload your contractPDF · DOCX · TXT
  2. 02
    Evaluated across jurisdictionsEach provision assessed against the statutes, regulations and jurisdictional requirements that govern the agreement
  3. 03
    Your reportFairness Score · Risk flags · Annotated PDF

Versioned, dated, reproducible.

50 states and federal law. Thousands of statutes, regulations and compliance requirements. Federal law refreshed daily, state law weekly.

Every provision is evaluated against Stipulex compliance rule sets written from statute, regulation and case law. Rule sets are versioned and dated, and each report names the version it was checked against, so any finding can be traced and reproduced.

04Why reading isn’t enough

A contract can sound reasonable and still break the law.

Knowing what an agreement says isn’t the same as knowing whether it complies. Stipulex connects each provision to the law that governs it: deterministic, jurisdiction-aware analysis grounded in statute, regulation and case law.

Summarized

§4 of an offer letter lets the employer hold your earned wages after firing you. It reads like a routine clawback.

CheckedHigh

It breaks New York wage law and Texas wage law at the same time, and Texas is the law the contract chose. Nothing in the wording tells you that. The statute does.

  • Interpretation isn’t compliance evaluation.A general-purpose AI can explain what a clause says. Stipulex evaluates each provision against structured, jurisdiction-specific legal requirements to find where it falls short.
  • Generated answers aren’t reproducible findings.A general-purpose model can give a different answer every time you ask. Stipulex applies versioned rule sets, so every finding traces to the legal requirement and the rule-set version behind it.
  • What’s missing can matter as much as what’s written.An agreement can leave out a notice, disclosure or protection the law requires. Stipulex checks those requirements against the agreement, so the report can tell you what isn’t there.
  • Your contract deserves more than a prompt window.Contracts carry compensation, financial records and personal information. By default your file is held in memory only and gone the moment analysis completes. Stipulex is building toward SOC 2 as we scale.
05Sample report

Read the output before you sign.

STIPULEXSTIPULATE WITH CERTAINTY
ANNOTATED ANALYSIS REPORT

Offer letter with Attachments A–D

Illustrative sample, a synthetic composite · Deep risk analysis · Fairness Score · Annotations

Document analyzed
Offer letter with Attachments A–D (Non-Disclosure, Non-Competition, Non-Solicitation, Invention Assignment) and a screening authorization
Work location
New York, NY
Governing law / forum
North Carolina law, all documents · Exclusive venue: Mecklenburg County or W.D.N.C.
Analysis date
Sample report, demonstration purposes only
Fairness ScoreHIGH RISK

31/100

Eight of the twelve provisions reviewed rate high riskThe employee carries the income swings, the trip to a distant courtroom, and a two-year restriction on where to work next. New York wage protections still attach to work performed in New York, but every document routes disputes to North Carolina first.

How to read this report: each section quotes the contract, rates the risk, and explains what the language does in practice. Ratings go by the words on the page.

It’s built for operators, not lawyers: founders, ops, finance, HR, and procurement teams who sign real contracts without an in-house legal department.