Terms of Service

1. Who we are and what these terms cover

XOOMAR ("XOOMAR", "we", "us") operates xoomar.com, the XOOMAR API, the client libraries, the hosted MCP server and the services described on the site (together, the "Service"). These terms are a contract between you and XOOMAR. By using the Service you accept them. If you use the Service for an organisation, you accept them for that organisation and confirm you may do so.

The Privacy Policy explains how we handle personal data and is part of these terms. The Editorial Policy says where the data comes from, how we correct it and what a brief may say.

2. Accounts and API keys

• You must be 18 or older, or the age of majority where you live, to open an account.
• Keep your registration details accurate. One person, one account; a team shares keys through a plan that allows it.
• API keys are secrets. You are responsible for every request made with your key. Revoke a key you suspect is exposed from your account, and tell us at info@xoomar.com if you believe someone else has used it.
• We may suspend an account or a key that breaks these terms, threatens the Service or is used for fraud, and we will say why when the law allows.

3. The free licence: what everyone may do

Every dataset on the Service is free to read on the site and free to pull through the API and the CSV downloads within the published limits. Under the free plans we grant you a limited, revocable, non-exclusive, non-transferable licence to:

• use the data for personal, academic and internal purposes: read it, store it, model it, screen with it, build tools for your own use;
• republish excerpts, charts and figures, with a visible credit to XOOMAR and a link to the dataset page or to xoomar.com;
• use the client libraries and the MCP server, which are released under the Apache 2.0 licence (the licence covers the code, not the data).

The free licence does not allow you to sell, resell, sublicense or redistribute the data, to offer it inside a paid product, feed or dataset, to build a dataset that competes with the Service from it, to collect it outside the API and the CSV downloads (crawling, evading limits, sharing keys), or to remove attribution. Those uses need a paid plan or a written agreement.

4. The commercial licence: what paid plans add

Pro, Ultra and Enterprise plans include a commercial licence for the datasets whose sources allow commercial reuse (the "Licensed Datasets", twenty today, listed on the pricing page: the SEC and XBRL series, CFTC positioning, Treasury auctions, the economic calendar, Fed liquidity, central bank rates, federal contracts and Hyperliquid whale positions). For as long as your plan is active you may use the Licensed Datasets in your own products, services, research and publications, including ones you charge for, and you may create and keep derived works from them.

• Wholesale redistribution of the Licensed Datasets (offering the data itself, or a substantial part of it, as a feed, file or dataset) is not included in Pro or Ultra. Enterprise plans include a redistribution licence set out in the Enterprise agreement.
• Attribution: a visible "Data: XOOMAR" with a link where the data is displayed, unless your Enterprise agreement says otherwise.
• Every other dataset stays under the free licence on every plan, because its sources' terms forbid resale or extend to derived products: FINRA short interest and short volume, the Reg SHO threshold lists, exchange-fed funding rates, open interest and liquidations, Deribit options, ETF holdings, the macro series (Treasury yields with stablecoin supply), sentiment and signals. The first eight also stay at the free limits on every plan. Those sources' own terms apply to you as well.
• Rights you keep: derived works you create under the licence remain yours, subject to these terms, while the underlying data remains ours or its sources'.
• When a plan ends, the licence ends for new use; derived works made while it was active may be kept.

5. Plans, limits and fair use

• Each plan carries the limits shown on the pricing page (requests a minute, requests a day, history depth, keys, bulk export, webhooks). Requests beyond a limit are refused with a 429 response until the limit resets.
• Fair use: bulk export is one download a minute per key; webhook endpoints that fail ten times in a row are switched off with a notice to you; sustained load that degrades the Service for others may be throttled after we tell you.
• We may change limits and features of a plan with 30 days' notice by email and on the pricing page. The free limits published on the pricing page are a floor and will not go down.

6. Subscriptions, billing, cancellation and refunds

• Paid plans are billed in advance, monthly or yearly, by card through our payment processor, in US dollars. You receive an invoice for every payment. Prices exclude taxes; where the law requires we add the applicable sales tax, VAT or consumption tax to the invoice.
• Subscriptions renew automatically at the end of each period until cancelled. Cancel at any time from the Plan tab of your account or through the billing page; the plan runs to the end of the period you paid for, then the keys return to the free limits. We do not charge for the period after a cancellation.
• Price changes take effect at the next renewal after 30 days' notice by email. If you do not agree, cancel before the renewal.
• If a payment fails, we retry and tell you. The plan stays active for seven days; if the payment has not succeeded by then, the keys return to the free limits until it does.
• Refunds: a yearly plan may be refunded in full within 14 days of its first payment if usage in that time stayed within the free limits; otherwise fees are non-refundable, except where the law of your country gives you a right we cannot exclude. Monthly plans are not refunded for partial months; cancel instead. Enterprise plans are billed by invoice on the terms of their agreement. The Refund and Cancellation Policy has the detail and the steps.

7. Third-party data and terms

The data comes from primary sources named on each page (the SEC, the CFTC, the Federal Reserve, the Treasury, the BLS, the BEA, the BIS, USAspending, FINRA, exchanges and fund issuers). Where a source publishes terms of use, those terms apply to your use of its data in addition to these terms; the pricing page lists those datasets. We do not represent any source and do not warrant that a source will keep publishing.

This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. Series read through FRED are subject to its terms of use.

8. Acceptable use

• No use that breaks a law or a regulation, including securities, sanctions, export and data-protection law.
• No circumventing limits, keys or access controls; no sharing keys outside the plan; no probing, scanning or testing the Service's security without written permission.
• No presenting the data as your own primary source, and no removing XOOMAR's attribution where the licence requires it.
• No impersonating XOOMAR, and no implying that XOOMAR endorses your product.
• Webhook endpoints and any URL you give us must be yours to use.

9. Intellectual property

The Service, its software, design, documentation, briefs and the compilation and arrangement of the data belong to XOOMAR or its licensors. Government works remain in the public domain; source data remains its sources'. Your content (a webhook URL, a message to us, feedback) stays yours, and you give us the right to use feedback to improve the Service without obligation. The client libraries and the MCP server are open source under Apache 2.0.

10. Availability, support and the uptime commitment

• We run the Service around the clock, but on free and Pro plans we make no availability promise.
• Ultra and Enterprise plans carry a 99.9% monthly uptime commitment for the API, excluding announced maintenance and causes outside our control. If we miss it in a calendar month, you may ask within 30 days for a service credit of 10% of that month's fee, applied to the next invoice. The credit is the sole remedy for downtime.
• Support: documentation on free plans; email on Pro; priority email on Ultra; the channel named in the agreement on Enterprise.

11. Information, not advice; no warranty

Everything on the Service, including every dataset, signal, estimate, brief and chart, is information. It is not investment, legal, tax or accounting advice, not a recommendation to buy or sell anything, and not an offer of any security. We are not a broker, an investment adviser or a fiduciary to you. Make your own decisions and, where it matters, take professional advice.

The Service is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness and timeliness. Sources publish late, revise and make mistakes; so, occasionally, do we. When we find an error we fix it and note it in the changelog.

12. Limitation of liability

To the fullest extent the law allows, XOOMAR is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue, lost data, trading losses or business interruption, arising from or related to the Service, however caused, even if we were told they were possible.

Our total liability for all claims relating to the Service in any twelve-month period is limited to the fees you paid us in the twelve months before the claim, or $100 if you paid nothing. Some jurisdictions do not allow these limits; there, they apply to the extent permitted.

13. Indemnity

If you use the Service for an organisation or under a paid plan, you will defend and indemnify XOOMAR against third-party claims, and the reasonable costs of them, arising from your breach of these terms, your use of the data outside the licence, or your violation of law or of a source's terms.

14. Termination

You may stop using the Service at any time and delete your account from the Profile tab. We may suspend or end your access for a breach of these terms, for non-payment after the grace period, or if we must under the law, and we may end the Service or a plan with 30 days' notice, refunding any prepaid fees for the period after the end. Sections 4 (the part on kept derived works), 9, 11, 12, 13 and 16 survive termination.

15. Changes to these terms

We may update these terms. For a material change we give at least 30 days' notice by email to account holders and on this page, with the date at the top. Using the Service after the change takes effect means you accept it; if you do not, stop using the Service and cancel any plan before then.

16. Governing law and disputes

These terms are governed by the laws of the State of Ohio, United States, without regard to its conflict-of-law rules, and by the federal laws of the United States that apply. Before starting a claim, either side writes to the other and both try in good faith to resolve it within 30 days. Claims that remain go to the state or federal courts located in Ohio, and each side consents to their jurisdiction. Nothing here removes rights that the consumer law of your country gives you and that cannot be excluded.

17. General

• These terms, the Privacy Policy and, for Enterprise, the signed agreement are the whole agreement between you and XOOMAR about the Service and replace earlier versions.
• If a court finds a provision unenforceable, the rest stays in force. A delay in enforcing a right is not a waiver of it.
• You may not assign these terms without our written consent; we may assign them to a successor of the Service.
• You confirm that you are not on a sanctions list and will not use the Service where the law prohibits it.
• Notices to you go to the email on your account; notices to us go to info@xoomar.com.

18. Contact

Questions about these terms, licence requests and Enterprise agreements: info@xoomar.com.