Terms of service

1. Who we are and what this agreement covers

These terms are an agreement between you and {{COMPANY_NAME}} ("we", "us") for the use of Funding Arbitrage Scanner: the website, the scanner, the account pages, alerts and notifications, and the API (together, the "service"). By creating an account or using the service you accept these terms, the acceptable use policy, the risk disclosure and the privacy policy.

2. What the service is, and what it is not

• The service is a market-data and analytics tool. It collects public market data from trading venues, checks its quality, and estimates the costs, returns and risks of certain trades.
• It is not investment, financial, legal or tax advice, and not a recommendation to buy, sell or hold anything.
• We provide no custody (we never hold your money or crypto-assets) and no execution (we never place orders for you). Any trade is your own decision, made on your own accounts with third-party venues.
• Every figure is an estimate based on data that can be late, incomplete or wrong. Read the risk disclosure.

3. Eligibility and location

You must be at least 18 years old and able to enter a binding contract. You may not use the service where doing so is unlawful, or if you are subject to sanctions. We may restrict access from certain countries; such restrictions apply automatically and cannot be bypassed.

Counsel to confirm: restricted jurisdictions list, sanctions wording, and whether professional-client status is required on the regulatory track.

4. Your account

• You sign in through our identity provider. Keep your sign-in methods secure; you are responsible for activity on your account.
• An account belongs to one person. A team or organization account lets an owner invite members and assign roles; the owner is responsible for the members they invite.
• At your request, or for support and security reasons, our support staff can open a read-only, time-limited and audited view of what your account sees. They cannot make changes or payments in that view.
• Tell us at {{CONTACT_EMAIL}} if you believe your account or an API key has been compromised.

5. Plans, prices and payment

• The current plans, what each includes and their prices are shown on the pricing page. A plan includes only what is listed for it.
• Prepaid credit. Paid plans are paid from a credit balance. Where online payments are open, you add credit by sending the stated stablecoin on the stated network to the address on your invoice. Payments sent with the wrong token, on the wrong network or to the wrong address may not be detected and may be lost.
• A plan starts when your credit covers it. Renewals are charged from credit shortly before the end of each period. If credit does not cover a renewal, the subscription becomes past due, keeps access for a short grace period, and then moves to the free plan.
• Overpayments stay on your balance as credit. API usage beyond your plan's monthly allowance is charged from credit, up to a spend cap; when the cap or your credit is reached, API access pauses until you add credit.
• Plan changes. When we change a plan, existing subscribers keep the version they bought until the end of their period or until we move them with notice. Downgrades take effect at the end of the current period.
• You may cancel renewal at any time on the Billing page; access continues until the end of the paid period.

Counsel to confirm: refund policy, consumer withdrawal rights, invoicing and VAT/GST treatment of stablecoin payments, and the exact grace period and renewal lead time to quote.

6. Availability and changes to the service

We aim to keep the service available and accurate but do not guarantee it. Market data may be delayed, venues may be added or removed, and features may change. When our account systems are unreachable the scanner may show a limited view until they recover. Service levels apply only where agreed in writing (for example in an enterprise agreement). Planned maintenance and incidents are posted on the status page ({{STATUS_URL}}).

7. Licence and intellectual property

We grant you a personal, non-exclusive, non-transferable licence to use the service and its output for the purposes your plan allows. The software, scores, layouts and compiled data remain ours or our licensors'. Redistribution and commercial use are governed by the acceptable use policy.

8. Suspension and termination

You can stop using the service at any time and ask us to close your account. We may suspend or close an account that breaks these terms or the acceptable use policy, puts the service or other users at risk, or where the law requires it. Where reasonable we will tell you first. Unused credit on closure is handled as described in the refund policy.

9. Disclaimers and limitation of liability

The service is provided "as is" and "as available". To the extent the law allows, we are not liable for trading losses, lost profits, or losses caused by inaccurate, delayed or missing data, venue failures, stablecoin failures or blockchain events. Our total liability for any claim is limited to the amount you paid us in the twelve months before the claim.

Counsel to confirm: enforceability of these limits for consumers in each target market; indemnity clause; force majeure.

10. Changes to these terms

We may update these terms. We will post the new version here with a new effective date and, for material changes, tell account holders by email in advance.

11. Governing law and disputes

These terms are governed by the laws of {{JURISDICTION}}. Disputes go to the courts of {{JURISDICTION}}, unless the law where you live gives you a right to bring them elsewhere.

12. Contact

{{COMPANY_NAME}}, {{REGISTERED_ADDRESS}}. Email: {{CONTACT_EMAIL}}.