Terms of Service

1. Acceptance of terms

By accessing or using DataVibe ("the Service"), you agree to be bound by these Terms. If you do not agree, do not use the Service. These Terms apply to all users, including free-trial and paid subscribers.

2. Description of services

DataVibe provides fintech data infrastructure including API-based pipeline automation, credit risk scoring, market intelligence feeds, dependency security scanning, and usage-based billing metering. Features available to you depend on your subscription tier.

3. Acceptable use

You agree to use the Service in compliance with all applicable laws. You must not: (a) abuse shared API resources or exceed rate limits in a way that degrades service for others; (b) attempt to reverse-engineer, scrape, or redistribute DataVibe data without written permission; (c) use the Service for unlawful, fraudulent, or harmful purposes.

4. Billing and subscriptions

Paid plans are billed monthly or annually and renew automatically at the end of each billing period unless canceled before the renewal date. Usage-based charges are calculated from metered API request counts exported to Stripe at regular intervals.

All prices are listed in USD. You authorize DataVibe to charge the payment method on file for all recurring fees. Failed payments may result in service suspension after a grace period.

5. Cancellation policy

You may cancel your subscription at any time from your billing settings or by using our contact form. Cancellation takes effect at the end of the current billing period. You retain full access to paid features until the period ends. No partial-period refunds are issued for monthly subscriptions unless required by applicable law.

Annual subscriptions canceled within 7 days of initial purchase are eligible for a full refund. After 7 days, annual subscriptions are non-refundable for the remainder of the annual term.

6. Refund and dispute policy

If you believe a charge is incorrect, submit it via our contact form within 30 days of the charge. We will investigate and, if the charge is confirmed erroneous, issue a credit or refund within 10 business days.

We do not offer refunds for usage-based overages once the metering period has closed, as those charges reflect actual platform consumption. If you dispute a charge directly with your bank or card issuer before contacting us, we reserve the right to suspend your account pending resolution.

7. Plan changes

Upgrades take effect immediately and are prorated for the remainder of the billing period. Downgrades take effect at the start of the next billing cycle. Changing from annual to monthly billing takes effect at annual renewal.

8. Free trials

If a free trial is offered, it starts on the date you register and lasts for the period stated at signup. At the end of the trial, your account converts to the selected paid plan and your payment method will be charged unless you cancel before the trial ends.

9. Intellectual property

DataVibe and its licensors own all rights to the platform, software, and documentation. You retain ownership of data you upload or generate. By using the Service you grant DataVibe a limited license to process your data solely to deliver the Service.

10. Limitation of liability

To the maximum extent permitted by law, DataVibe's total liability for any claim arising from these Terms or use of the Service is limited to the amount you paid us in the 3 months preceding the claim. We are not liable for indirect, incidental, special, or consequential damages.

11. Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law principles. Any disputes shall be resolved through binding arbitration under the AAA Commercial Arbitration Rules, except either party may seek injunctive relief in a court of competent jurisdiction.

12. Changes to these terms

We may update these Terms at any time. We will notify you of material changes by email or in-app notice at least 14 days before they take effect. Continued use after the effective date constitutes acceptance.

13. Contact

Questions about these Terms? Use our contact form.