Finbase Terms of Service
1. Agreement
These Terms govern access to and use of the Finbase websites, account portal, identity portal, operations-supported account features, APIs, documentation, data services, subscription services, and related services (collectively, the "Services").
These Terms are between Finbase LLC ("Finbase," "we," "us," or "our") and the organization or individual that creates an account, accepts an invitation, purchases a subscription, accesses the Services, or otherwise uses the Services ("Customer," "you," or "your").
By accessing or using the Services, you agree to these Terms.
If you use the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms. If you do not agree to these Terms, you may not create an account, accept an invitation, purchase a subscription, access the Services, or use the Services.
2. Business Use
The Services are intended for United States-based businesses, organizations, professionals, and individuals using the Services for business, professional, commercial, research, analytical, or similar purposes. The Services are not intended for personal, household, family, or consumer-purpose use unrelated to those purposes.
By creating an account, purchasing a subscription, accepting an invitation, or using the Services, you represent that you are a United States-based individual or organization, or that you have an established United States legal or billing address for purposes of the Services, billing, taxes, and account administration.
3. Accounts and Authorized Users
You are responsible for all activity under your account, organization, users, credentials, API keys, and integrations.
You must provide accurate account, billing, tax, contact, and organization information and keep it current.
You are responsible for:
- selecting and managing your account administrators and authorized users;
- maintaining the confidentiality and security of passwords, sessions, API keys, SSO / Custom IdP configurations, and other credentials;
- promptly disabling users who should no longer have access;
- promptly notifying Finbase of suspected unauthorized access or credential compromise;
- ensuring that your users comply with these Terms and applicable law.
Finbase may rely on instructions, configuration changes, subscription changes, support requests, and API activity made through your account or credentials.
4. Legal Acceptance Records
Finbase may require users to agree to these Terms and acknowledge the Privacy Policy during signup, invite acceptance, subscription purchase, account administration, or other workflows.
Finbase may record legal acceptance information, including document versions, acceptance context, timestamp, IP address, user agent, user ID, and organization ID.
Continued use of the Services after an updated version of these Terms becomes effective may constitute acceptance of the updated Terms, where permitted by law and consistent with notice provided by Finbase.
5. Subscriptions, Plans, and Entitlements
Access to paid features, API permissions, request allowances, data sources, historical depth, SSO / Custom IdP, and other entitlements depends on the active subscription plan, billing cadence, plan version, trial status, internal support configuration, or written agreement applicable to your account.
Finbase may offer free trials, paid subscriptions, sales-assisted plans, legacy plan versions, grandfathered pricing, custom enterprise arrangements, or other account-specific entitlements.
Free trials, trial API keys, trial entitlements, and other trial access are provided for evaluation, testing, and non-production assessment only. Trial access may not be used for production applications, customer-facing production workflows, transaction processing, or other live business operations unless Finbase expressly authorizes that use in writing.
Unless expressly stated otherwise in a written agreement, plan names, plan features, prices, and entitlements may change for future subscription periods. Scheduled subscription changes, grandfather transitions, and future plan changes may be based on the plan terms in effect on the applicable conversion or renewal date.
6. API Keys and Credential Restrictions
API keys, secrets, tokens, and other credentials are issued only for the subscribing Customer and its authorized use of the Services.
You may not share, sell, lease, sublicense, transfer, publish, expose, or otherwise make API keys or Service access available to any third party except as expressly authorized by Finbase in writing.
API keys issued to an organization may be used only for that subscribing organization's own authorized business purposes. Your employees, contractors, agents, or service providers may use API keys solely to support your authorized use of the Services and only under your supervision and responsibility. API keys may not be used for the independent benefit of affiliates, subsidiaries, parent entities, sister companies, contractors, clients, customers, service bureaus, successors, assigns, or other third parties, or to avoid a separate subscription that would otherwise be required for another organization or individual, unless Finbase expressly authorizes that use in writing.
You may not use the Services:
- for a service bureau, outsourcing, resale, data brokerage, timesharing, managed-service, white-label, or similar third-party benefit model unless expressly authorized by Finbase in writing;
- to create a competing product or service;
- to bypass plan limits, technical limits, rate limits, usage controls, authentication, authorization, monitoring, or security features;
- to probe, scan, test, overload, disrupt, or interfere with Finbase systems;
- to introduce malicious code or abusive traffic;
- in violation of law or third-party rights.
7. API Usage, Unlimited Plans, and Rate Controls
Some plans may be described as "unlimited" or as having unlimited requests. Unless expressly stated otherwise, "unlimited" means there is no fixed monthly request allowance for the applicable billing or utilization period.
Unlimited usage does not mean unlimited request bursts, unlimited concurrency, unlimited abuse tolerance, or guaranteed throughput. Finbase may apply reasonable short-window rate limits, throttling, blocking, temporary suspension, abuse-prevention controls, web application firewall rules, request validation, or other technical protections to preserve service stability, security, fairness, and platform availability.
Finbase may change technical rate thresholds and abuse-prevention controls from time to time without updating these Terms. Enterprise customers with planned high-throughput or unusual traffic patterns should coordinate expected workloads with Finbase in advance.
8. UTC Timing
Finbase uses Coordinated Universal Time ("UTC") for API utilization periods, billing boundaries, subscription renewals, scheduled subscription changes, grandfather transitions, reporting periods, and related time-bucketed system behavior unless expressly stated otherwise.
Third-party services, including payment processors, may display some timestamps or dates in a user's local time zone. Finbase system behavior remains based on UTC where the Finbase product, API, billing, or entitlement logic depends on time boundaries.
9. Financial Data Sets and Effective Dates
Finbase provides access to financial data sets, including income-limit and related data, compiled, normalized, released, or made available from government agencies, public sources, or other sources selected by Finbase.
Finbase does not originate, own, or control the underlying third-party, agency, public, or source data sets made available through the Services. Finbase selects sources, imports data, normalizes data, releases data for API use, and provides tools for accessing that data, but the underlying source materials may contain errors, omissions, delays, later corrections, withdrawals, superseding publications, or other issues outside Finbase's control.
Finbase makes no representations about the ongoing availability of any particular data set, data source, agency publication, program, field, or data attribute.
Finbase API date filters resolve data based on the source agency's effective date among data sets currently released by Finbase for API use.
When a source agency publishes, issues, or makes effective a data set before Finbase imports and releases it, Finbase may later release that data set using the original agency effective date. After that release, prior date-filtered API queries within that data set's effective period may return different values than they returned before the data set was available through Finbase.
Where supported, Finbase may expose:
effectiveDate, meaning the source agency or source data effective date; andreleasedDate, meaning the date and time Finbase marked the data set as released for API use.
You are responsible for understanding which data set, effective date, released date, geography, program, household size, datasource, or other query attributes apply to your use case.
10. Data Accuracy, Customer Responsibility, and No Professional Advice
Finbase uses commercially reasonable efforts to provide useful data and maintain data integrity, but the Services may contain incorrect, incomplete, delayed, unavailable, superseded, or changed data.
Finbase does not provide legal, accounting, tax, lending, underwriting, compliance, financial, regulatory, or professional advice. The Services are informational tools only.
You are responsible for:
- verifying data before relying on it;
- determining whether the Services are appropriate for your use case;
- applying your own professional judgment, compliance controls, and review processes;
- complying with applicable laws, regulations, agency requirements, investor requirements, program guides, and contractual obligations;
- decisions, outputs, workflows, products, services, or advice that you provide to your own customers, clients, users, affiliates, successors, assigns, or other parties.
Finbase may investigate and correct confirmed data integrity issues after discovery or notice, but correction efforts do not create liability for prior, downstream, or third-party use of incorrect, incomplete, delayed, or unavailable data.
11. Billing, Payments, Taxes, and Refunds
Paid subscriptions are billed according to the selected plan, billing cadence, checkout flow, invoice, order, or written agreement.
Charges for the selected billing term are non-refundable once purchased. If you cancel during the term, access remains active through the end of the term and no refund will be issued, unless Finbase expressly agrees otherwise in writing or applicable law requires otherwise.
Prices shown in the Services, emails, checkout screens, account pages, or subscription pages may be shown before applicable taxes. Final amounts may include sales tax or other taxes where required.
You are responsible for applicable taxes, duties, levies, assessments, bank fees, payment fees, foreign exchange charges, chargebacks, returns, and similar amounts, except taxes based on Finbase's net income.
Finbase uses Stripe and related payment services for payment processing, subscription billing, invoices, payment method updates, payment receipts, failed-payment handling, tax calculation, and related payment workflows. Finbase does not store raw payment credentials such as full card numbers, CVC values, or bank login credentials.
12. ACH, Bank Payments, and Offline Payments
ACH Direct Debit, bank debit, check, wire, direct deposit, ACH credit, or other manual/offline payment arrangements may take several business days to process, clear, settle, fail, return, or be disputed.
During that period, Stripe invoices may remain open, unpaid, pending, processing, or otherwise not finally settled, even if you have authorized payment.
Finbase may grant, continue, suspend, revoke, downgrade, cancel, or adjust access while a bank or offline payment is pending or if the payment fails, is returned, is disputed, is reversed, or is not ultimately received.
Sales-assisted or offline enterprise subscriptions may use operational billing processes that differ from self-service checkout, including manually issued invoices, manual payment reconciliation, good-faith activation before payment clears, or activation after payment clears.
13. Subscription Changes, Cancellation, and Failed Payments
You may be able to upgrade, downgrade, schedule a subscription change, cancel at the end of a term, or resume a subscription through the account portal, support, or an enterprise process.
Immediate changes, scheduled changes, and legacy/grandfather transitions may affect price, billing cadence, entitlements, data access, API permissions, SSO / Custom IdP access, or other account features.
If payment fails, Finbase may continue access while Stripe retries payment according to configured dunning settings. Finbase may suspend, cancel, downgrade, or revoke access when payment remains unpaid, when Stripe cancels or terminates the subscription, or when Finbase determines that payment risk requires action.
14. Maintenance, Availability, and Changes to the Services
Finbase may modify, update, improve, suspend, restrict, discontinue, or replace the Services, features, data sets, APIs, documentation, plans, or infrastructure from time to time.
Finbase may place parts of the Services into maintenance mode, including account access or Service API access, for scheduled maintenance, emergency maintenance, security events, reliability work, platform protection, data integrity work, release operations, or other operational needs.
Where practicable, Finbase will make reasonable efforts to provide notice of material scheduled downtime or material service interruptions.
Finbase does not guarantee that the Services will be uninterrupted, error-free, secure, or available at all times unless a separate written agreement expressly provides a service-level commitment.
15. Customer Data
"Customer Data" means information you or your users submit to the Services or generate through use of the Services, including account information, organization information, billing information, configuration data, support communications, audit events, usage records, API request metadata, and similar information.
You retain ownership of your Customer Data. You grant Finbase the rights necessary to host, process, transmit, display, store, analyze, secure, back up, and use Customer Data to provide, maintain, support, secure, improve, and operate the Services; comply with law; prevent abuse; enforce these Terms; and perform related business operations.
Finbase may use aggregated, de-identified, or anonymized information derived from Service usage to improve, analyze, secure, and develop the Services, provided it does not identify Customer or its users.
You represent that you have all rights and permissions necessary to submit Customer Data to the Services and to allow Finbase to process it as described in these Terms and the Privacy Policy.
16. Sensitive Data
Unless Finbase expressly agrees in writing, you may not submit sensitive personal information, protected health information, cardholder data, bank login credentials, government identification numbers, consumer credit reports, full borrower files, or regulated customer data that is not necessary for use of the Services.
The Service API is intended for financial data set lookups, not for storing borrower/customer files or sensitive personal records.
17. Security
Finbase uses commercially reasonable administrative, technical, and organizational safeguards designed to protect the Services.
You are responsible for securing your systems, devices, users, passwords, SSO / Custom IdP configurations, API keys, tokens, integrations, network access, and downstream uses of Service outputs.
You must promptly notify Finbase at support@finbaseco.com if you suspect unauthorized access to the Services, compromise of credentials, or misuse of an API key.
18. Third-Party Services
The Services may interoperate with or rely on third-party services, including Stripe, Amazon Web Services, Google OAuth, Microsoft authentication, email providers, tax tools, customer-support tools, documentation tools, analytics tools, and other infrastructure or service providers.
Third-party services are governed by their own terms, policies, and practices. Finbase is not responsible for third-party services except as expressly stated in these Terms or a separate written agreement.
19. Ownership and Feedback
Finbase and its licensors retain all rights, title, and interest in the Services, software, APIs, documentation, data models, schemas, interfaces, designs, marks, logos, know-how, methods, and technology.
Subject to these Terms and your subscription, Finbase grants you a limited, non-exclusive, non-transferable, non-sublicensable right to access and use the Services during the applicable subscription term for your internal business purposes.
If you provide feedback, suggestions, ideas, or recommendations, Finbase may use them without restriction or obligation to you.
20. Confidentiality
Non-public information disclosed by one party to the other that should reasonably be understood as confidential must be protected using reasonable care and used only for purposes related to the Services.
Confidential information does not include information that is public without breach, already known without restriction, independently developed without use of confidential information, or lawfully received from a third party without restriction.
21. Disclaimer
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES, DATA, APIS, DOCUMENTATION, OUTPUTS, AND SUPPORT ARE PROVIDED "AS IS" AND "AS AVAILABLE." FINBASE DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, AND ERROR-FREE OPERATION.
FINBASE DOES NOT WARRANT THAT DATA WILL BE CORRECT, COMPLETE, CURRENT, TIMELY, AVAILABLE, OR SUITABLE FOR YOUR PARTICULAR USE CASE.
22. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINBASE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, ENHANCED, OR LOST-PROFIT DAMAGES; LOSS OF REVENUE; LOSS OF BUSINESS; LOSS OF GOODWILL; LOSS OR CORRUPTION OF DATA; BUSINESS INTERRUPTION; SUBSTITUTE SERVICES; OR DOWNSTREAM CLAIMS, EVEN IF FINBASE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINBASE WILL NOT BE LIABLE FOR LOSSES, DAMAGES, CLAIMS, PENALTIES, COSTS, OR DOWNSTREAM IMPACTS SUFFERED BY YOU, YOUR AFFILIATES, SUCCESSORS, ASSIGNS, USERS, CUSTOMERS, CLIENTS, OR OTHER RELATED PARTIES ARISING FROM OR RELATING TO INCORRECT, INCOMPLETE, DELAYED, CHANGED, SUPERSEDED, OR UNAVAILABLE API DATA OR SERVICE OUTPUTS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINBASE'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE AMOUNTS YOU PAID TO FINBASE FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE THREE MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR $100, WHICHEVER IS GREATER.
The limitations in this section apply to all theories of liability, whether contract, tort, negligence, strict liability, warranty, statute, or otherwise, and apply even if a remedy fails of its essential purpose.
23. Indemnification
You will defend, indemnify, and hold harmless Finbase and its officers, directors, employees, contractors, agents, affiliates, successors, and assigns from and against claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys' fees, arising from or relating to:
- your use of the Services;
- your Customer Data;
- your products, services, advice, decisions, customers, clients, users, successors, assigns, affiliates, or downstream uses of Service outputs;
- your violation of these Terms, applicable law, or third-party rights;
- unauthorized use of your account, users, credentials, API keys, or integrations;
- payment disputes, chargebacks, reversals, tax issues, or billing information you provide.
24. Suspension and Termination
Finbase may suspend, restrict, downgrade, or terminate access to the Services if:
- payment is overdue, failed, reversed, disputed, returned, or not received;
- you violate these Terms;
- your use creates security, legal, operational, abuse, availability, or reputational risk;
- your account information is inaccurate or incomplete;
- your API keys or credentials appear compromised or misused;
- Finbase is required to do so by law, court order, regulator, payment processor, infrastructure provider, or other third-party service provider;
- the Services are discontinued.
Upon termination or expiration, your right to access and use the Services ends. Sections that by their nature should survive will survive, including payment obligations, confidentiality, ownership, disclaimers, limitations of liability, indemnification, dispute terms, and audit/legal acceptance records.
25. Notices and Support
Finbase may provide support through the support channels it designates, including the Finbase support portal and support email channels. Standard support is intended to address account access, billing, subscription, API key, authentication, documented Service API behavior, API error responses, suspected service outages, and suspected Finbase-served data issues.
Standard support does not include building, debugging, maintaining, or advising on Customer applications, integrations, ETL pipelines, reporting systems, dashboards, spreadsheets, internal workflows, infrastructure, networks, or third-party systems. Custom integration, implementation, advisory, reporting, or professional services may be available only under a separate written agreement or order.
Unless expressly stated in a separate written agreement, order form, or applicable Enterprise service level addendum, Finbase does not provide guaranteed response times, uptime commitments, service credits, or other service level remedies.
Finbase may send notices by email, account portal message, website posting, invoice message, support communication, or other reasonable means.
Legal notices to Finbase should be sent to:
26. Changes to These Terms
Finbase may update these Terms from time to time. The updated version will be posted at https://finbaseco.com/terms or another location Finbase designates.
For material changes, Finbase may provide notice by email, account message, website notice, or other reasonable means. Your continued use of the Services after the updated Terms become effective constitutes acceptance of the updated Terms, where permitted by law.
27. Governing Law and Disputes
These Terms are governed by the laws of New York, without regard to conflict-of-law rules.
The parties will attempt to resolve disputes informally before filing a claim. Any dispute not resolved informally will be brought in the state or federal courts located in Westchester County, New York, unless Finbase and Customer agree to another forum in writing or applicable law requires otherwise.
28. Miscellaneous
You may not assign these Terms without Finbase's prior written consent, except to a successor in connection with a merger, acquisition, corporate reorganization, or sale of substantially all assets, provided the successor assumes your obligations and is not a competitor of Finbase. Finbase may assign these Terms without restriction.
These Terms, together with any applicable order, invoice, subscription terms, documentation, and policies referenced by Finbase, are the entire agreement between the parties regarding the Services and supersede prior or contemporaneous understandings about the Services.
If any provision is unenforceable, the remaining provisions remain in effect. A party's failure to enforce a provision is not a waiver. Neither party is liable for delay or failure caused by events beyond reasonable control.