Options Unlimited Research Corp v. Western & Southern Financial Group, Inc.

CourtDistrict Court, S.D. Ohio
DecidedMarch 3, 2025
Docket1:21-cv-00192
StatusUnknown

This text of Options Unlimited Research Corp v. Western & Southern Financial Group, Inc. (Options Unlimited Research Corp v. Western & Southern Financial Group, Inc.) is published on Counsel Stack Legal Research, covering District Court, S.D. Ohio primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Options Unlimited Research Corp v. Western & Southern Financial Group, Inc., (S.D. Ohio 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF OHIO WESTERN DIVISION

OPTIONS UNLIMITED RESEARCH : CORP., : : Case No. 1:21-cv-192 Plaintiff, : : Judge Jeffery P. Hopkins vs. : : WESTERN & SOUTHERN : FINANCIAL GROUP, INC., : Defendant.

OPINION AND ORDER

Defendant Western & Southern Financial Group, Inc. (W&S) moves to dismiss Plaintiff Options Unlimited Research Corp.’s (d/b/a Savvysoft) Complaint (Doc. 3) for failure to state a claim upon which relief can be granted. W&S argues that all of Savvysoft’s claims fail because they are time-barred, insufficiently pleaded, or both. For the reasons below, the Court finds that, based on the facts alleged in the Complaint, which is all that the Court can consider at this juncture, Savvysoft’s claims are timely and well-pleaded. Accordingly, the Court DENIES W&S’s Motion to Dismiss all Claims (Doc. 13). I. BACKGROUND This is a software dispute. Plaintiff Savvysoft is a “provider of derivatives software products for the institutional market.” Doc. 3, ¶ 9. Among its products is a program called TurboExcel (also marketed as Calc4Web), which converts Excel spreadsheets into C++ coded programs that can run independent of Excel. Id. at ¶¶ 11, 18. That program, according to Savvysoft, is “extremely popular in the financial services industries” and was widely used by businesses including “banks, investment firms, and insurance companies”—Defendant W&S included. Id. at ¶¶ 19, 24. Indeed, W&S was exactly the type of business for which Savvysoft created TurboExcel. W&S offered “numerous types of life and disability insurance,” which required

it to quote premiums. Id. at ¶ 23. Those quotations “requir[ed] making complex calculations based upon variables received from [potential customers] like age, weight, [and] smoking status.” Id. Until TurboExcel came along, W&S performed those complex calculations on a customer-by-customer basis, “using customer variables fed into Excel spreadsheets.” Id. at ¶¶ 20, 23. But that process was inefficient. It required W&S’s underwriters and actuaries to manually input customer variables into spreadsheets to generate insurance price quotes, a process that became untenable as “[t]he company experienced a surge of growth in the 1990s.” See id. at ¶¶ 21–22. To keep up with demand, maintain the security of its proprietary algorithms, and keep costs down, “[W&S] needed a technology solution that would automate

[this process].” Id. at ¶¶ 23–24. That “technology solution” was TurboExcel. It translated W&S’s proprietary Excel spreadsheets into C++ object code, which could be distributed to and “used by field agents by simply plugging in customer variables to obtain instant accurate quotes based upon the same underwriting criteria used in the home office.” Id. at ¶ 24. More specifically, TurboExcel relied on two kinds of object code files: Generated Files and Runtime Files. Software Licensing Agreement, Doc. 3-2, PageID 21. Generated Files are the object code translations of the initial Excel spreadsheets. Runtime Files are object code files that Savvysoft provided (i.e., these files were not generated from the user’s Excel sheets) that included subroutines that

the Generated Files could use for performing various calculations. Both file types were in the form of C++ object code, not source code.1 That matters because, while humans can easily read formulas in Excel spreadsheets, they can’t read object code. See Doc. 3, ¶ 24. As a result, W&S could safely distribute the object code files to its over-82,000 field agents, without fear of someone learning its proprietary pricing formulas. Id. at ¶¶ 22, 24. Gone were the days of

W&S’s underwriters at the home office laboriously plugging figures into spreadsheets. But the story wasn’t entirely rosy. Instead, according to the allegations, trouble began brewing from the very outset of the parties’ relationship. W&S bought its license to use TurboExcel from Savvysoft in 2005. But it opted to purchase the least expensive—and most limited—license that Savvysoft offered. See id. at ¶¶ 25–29. The terms of that license are set out in the SLA attached to the Complaint. Doc. 3-2. The SLA imposed two restrictions relevant to this dispute. First, W&S could only install TurboExcel on a single computer, and could only use it to convert Excel spreadsheets that were also “substantially created” on that single computer. Id. at ¶ 32. Second, W&S could not distribute “the Runtime Files … without

a valid copy of the Generated Files,” and the Generated Files, as noted above, could only be used on the licensed computer (i.e., the computer on which W&S had installed TurboExcel and on which the underlying Excel spreadsheet was substantially created). Id. at ¶ 33. In short, W&S purchased an extremely limited license.

1 Object code refers to code that has been compiled, which is the process that renders it ready for implementation on a microprocessor. Office of Technology Assessment, OTA-TCT-527, Finding a Balance: Computer Software, Intellectual Property, and the Challenge of Technological Change 13, 18 nn.29, 59 (1992) [hereinafter OTA Report]; see also Syntek Semiconductor Co. v. Microchip Tech. Inc., 307 F.3d 775, 779 (9th Cir. 2002). Source code, on the other hand, refers to code before it has been compiled. OTA Report at 13, 18 nn.29, 59. Source code can easily be read and understood, at least by programmers who know the computer language at issue (here C++). Id. at 18 nn.57–59; see also Bateman v. Mnemonics, Inc., 79 F.3d 1532, 1539 n.17 (11th Cir. 1996). Object code, by contrast, cannot. See Bateman, 79 F.3d 1539 n.17. Or at least it cannot absent being decompiled back into source code. OTA Report at 7. Savvysoft informed W&S of the limitations of its license in 2005, when W&S first purchased the software. Id. at ¶ 27. Despite that explanation and the license limitations, W&S used TurboExcel to create its “Quote System.” Id. at ¶ 29. That Quote System operated along the lines described above. Basically, W&S employees used TurboExcel to convert W&S’s

proprietary Excel spreadsheet underwriting calculations (spreadsheets that had been created on a variety of different computers) into Generated Files, and W&S then distributed those files to its field agents (with the Runtime Files) to use in providing real-time quotes to customers. See id. Savvysoft did not learn of W&S’s unlicensed use until “early 2018,” when a W&S employee reached out with a technical service request. Id. at ¶ 31. At that point, Savvysoft learned that W&S installed TurboExcel on a “central computer that was being used . . . to convert spreadsheets created by numerous different actuaries . . . on other computers in violation of the [SLA].” Id. Because of that alleged misuse, Savvysoft refused to renew W&S’s

license key, a key that W&S needed to update annually so the software would continue working. Id. at ¶¶ 30, 36. While Savvysoft’s denial of the license key meant that W&S was unable to use TurboExcel to generate any new files, W&S nonetheless “continued to use and distribute the Runtime Files [previously] generated by TurboExcel without a valid copy of the Generated Files as part of the [W&S] Quote System.” Id. at ¶ 36. Three years later, in 2021, Savvysoft sued W&S for exceeding the terms of the software license between the two. Doc. 3. It seeks relief on three theories: breach of contract for violating the SLA’s terms, copyright infringement for distributing the Runtime Files, and misappropriation of trade secrets for the same distribution. Id. W&S moved to dismiss all those claims. Doc. 13. Savvysoft responded, Doc. 17, and W&S replied, Doc. 19, so the matter is ripe. II. STANDARD OF REVIEW W&S seeks to dismiss the Complaint for failure to state a claim under Rule 12(b)(6).

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Options Unlimited Research Corp v. Western & Southern Financial Group, Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/options-unlimited-research-corp-v-western-southern-financial-group-inc-ohsd-2025.