Terms of Service – FinanceFlowAPI

Company Information

FinanceFlowAPI is operated by a sole proprietor registered in Ukraine.

1. Definitions

• "We", "Us", "Our": refers to FinanceFlowAPI and its owner.
• "You", "User": refers to any individual or entity using the Service.
• "API": refers to the application programming interface for accessing FinanceFlowAPI data.
• "Subscription": refers to a paid access plan with defined usage limits.
• "Test Plan": a limited, one-time trial subscription offered per user account for a fee of $5.

2. Service Description

FinanceFlowAPI provides access to financial and market data through an API. Users may submit requests and receive financial data according to the limitations of their active subscription plan.

3. Account Registration

To use the Service, you must create an account and provide accurate information. You are responsible for the confidentiality of your API key.

It is strictly prohibited to create multiple accounts. Each user is entitled to only one account. Any attempt to create additional accounts will result in permanent suspension of all associated accounts.

4. Subscriptions and Payments

We offer various paid subscription plans with specific limitations on data access and request volume. All payments must be made in advance. Subscriptions remain valid until:

• The monthly request quota is exhausted.
• The subscription period expires.

To continue using the Service after a plan ends, you must purchase a new subscription.

5. Refund Policy

Refunds are available only if less than 10% of your request quota has been used. You must request a refund within 24 hours of purchase by contacting [email protected]. No refunds will be granted if more than 10% of usage has occurred.

The Test Plan ($5) is non-refundable unless the Service was inaccessible due to technical failure on our side.

Additionally, all prepaid subscriptions are final and non-refundable, regardless of usage level, duration, or dissatisfaction.

We recommend evaluating the API using the Test Plan before purchasing a full subscription.

6. API Usage and Restrictions

• Each plan includes specific request limits per minute and per month as specified in the plan details.
• It is prohibited to share, resell, or expose API keys to third parties.
• Using the API for scraping, mass extraction, or data redistribution is forbidden.
• Attempting to bypass request limits or impersonating another account is a violation.
• Automated usage beyond plan limits without a business subscription is not allowed.
• Any account found violating Section 6, including through circumvention methods like identity masking or re-registration, may be subject to permanent suspension without refund, and may be blacklisted from future access.

Violations of this section may result in immediate suspension or permanent termination of all related accounts without refund.

7. Commercial Use Policy

All standard plans are intended strictly for personal or internal business use. Commercial usage such as integration into SaaS products, public dashboards, or client-facing applications requires a Business License.

To activate commercial use, please contact us at [email protected].

We operate an advanced monitoring system to detect unauthorized commercial activity. If such activity is confirmed, access will be revoked immediately and no refunds will be issued.

8. Data Accuracy and Disclaimer

All data is provided "as is" and without warranty of accuracy, completeness, or timeliness. You are solely responsible for how the data is used. We are not liable for financial or business outcomes resulting from the use of the API.

9. Service Level Agreement

Our service commitments, uptime guarantees, and compensation procedures are detailed in our separate Service Level Agreement (SLA), which is incorporated into these Terms by reference.

10. Service Changes

We reserve the right to modify or discontinue any part of the Service at any time. Efforts will be made to notify users of significant changes. However, we are not responsible for the timeliness or availability of data feeds.

11. Termination

We reserve the right to suspend or terminate any account for violations of these Terms, fraudulent activity, or abuse of the Service. In such cases, access will be revoked and any unused subscription time or quota will not be refunded.

12. Limitation of Liability

Our liability is limited to the total amount paid by you in the last one (1) month. We are not liable for indirect, incidental, or consequential damages from using or inability to use the Service. Detailed service level commitments and compensation procedures are outlined in our separate Service Level Agreement (SLA).

13. Privacy and Data Security

We collect and store only your name and email address for account purposes. We do not collect or store confidential customer data. Our servers are located in secure data centers with appropriate security measures.

14. Changes to the Terms

These Terms may be updated periodically. You will be notified of major changes via email or a prominent notice on our website. Continued use of the Service constitutes acceptance of the revised Terms.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Ukraine. Any disputes arising from these Terms shall be resolved in the courts of Ukraine.

16. Intellectual Property

All content and data provided through the API is the property of FinanceFlowAPI or its third-party partners. You are granted a limited, non-transferable license to use the data for permitted purposes. Resale or redistribution without consent is strictly prohibited.