Terms of Service
These Terms of Service ("Terms") govern your access to and use of the services provided by Credit Decision API, LLC ("Company," "we," "us," or "our"), including our website at creditdecisionapi.com and our REST API (collectively, the "Service"). By creating an account or making any use of the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. Eligibility
You must be at least 18 years old and have the legal capacity to enter into a binding contract to use the Service. If you are using the Service on behalf of a business entity, you represent that you have authority to bind that entity to these Terms.
2. Account Registration
You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your API key and session credentials. You are responsible for all activity that occurs under your account. Notify us immediately at legal@creditdecisionapi.com if you suspect unauthorized access.
3. Permitted Use
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes. You may use the Service to evaluate creditworthiness for your own lending, pre-qualification, or risk-assessment workflows. You may not resell, sublicense, or white-label the Service without our prior written consent.
4. Prohibited Uses
You agree not to:
- Use the Service in violation of any applicable federal, state, or local law or regulation, including but not limited to the Equal Credit Opportunity Act (ECOA), the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), or any applicable fair lending laws;
- Use outputs from the Service as the sole basis for an adverse action without providing the legally required adverse action notice to the affected consumer;
- Submit personally identifiable information about individuals without their knowledge or consent;
- Attempt to reverse-engineer, scrape, or extract the underlying credit model or scoring logic;
- Use the Service to process data on behalf of third parties as a data processor or bureau without a separate written agreement;
- Introduce malicious code, conduct denial-of-service attacks, or otherwise interfere with the integrity of the Service;
- Use the Service in any manner that could expose us or our infrastructure to legal liability.
5. Regulatory Compliance
You are solely responsible for ensuring that your use of the Service complies with all applicable laws and regulations. The Service provides a credit scoring output based on data you supply. It does not constitute a consumer report under the FCRA. You are responsible for determining whether your use case requires compliance with ECOA, FCRA, UDAAP, state lending laws, or other regulations, and for implementing any required disclosures, adverse action notices, or fair lending controls independently of the Service.
6. API Key and Security
Your API key is confidential. Do not embed it in client-side code, public repositories, or any location accessible to unauthorized parties. We are not responsible for unauthorized use of your API key resulting from your failure to keep it secure. You may regenerate your API key at any time from your dashboard, which will immediately invalidate the prior key.
7. Billing and Payment
The Service is billed on a pay-per-call basis at the rate displayed on our pricing page at the time of use. Billing is processed through Stripe. You authorize us to charge your payment method on file for all API calls made under your account. All fees are non-refundable except as required by law or as we determine in our sole discretion. We reserve the right to change pricing with 30 days' notice. Continued use of the Service after a price change constitutes acceptance of the new pricing.
8. Suspension and Termination
We may suspend or terminate your account at any time, with or without notice, if we reasonably believe you have violated these Terms, failed to pay amounts owed, or posed a risk to the Service or other users. You may terminate your account at any time through your account settings. Upon termination, your right to use the Service immediately ceases. Sections 5, 9, 10, 11, and 12 survive termination.
9. Intellectual Property
The Service, including its scoring logic, software, design, and documentation, is owned by Credit Decision API, LLC and protected by intellectual property laws. Nothing in these Terms transfers any ownership rights to you. You retain ownership of the data you submit to the Service.
10. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR CREDIT DECISION OUTPUT WILL BE ACCURATE OR SUITABLE FOR YOUR PURPOSE. CREDIT DECISION OUTPUTS ARE ESTIMATES BASED ON THE DATA YOU PROVIDE AND SHOULD NOT BE RELIED UPON AS THE SOLE BASIS FOR LENDING DECISIONS.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CREDIT DECISION API, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF THESE TERMS SHALL NOT EXCEED THE AMOUNTS YOU PAID TO US IN THE THREE MONTHS PRECEDING THE CLAIM.
12. Indemnification
You agree to indemnify, defend, and hold harmless Credit Decision API, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Service, your violation of these Terms, or your violation of any applicable law or third-party rights.
13. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law provisions. Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered under the rules of the American Arbitration Association, except that either party may seek injunctive relief in any court of competent jurisdiction. The arbitration shall take place in Delaware. The prevailing party shall be entitled to recover reasonable attorneys' fees.
14. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page with a new effective date. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.
15. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Credit Decision API, LLC with respect to the Service and supersede all prior agreements and understandings.
16. Contact
For questions about these Terms, contact us at legal@creditdecisionapi.com.
Credit Decision API, LLC
State of Delaware, United States