Terms of service

Important: These Terms apply to your use of RateStack. Read them carefully. If you do not agree, do not use the service.

1. Acceptance

By creating an account, generating an API key, or otherwise accessing the service, you agree to these Terms on behalf of yourself and the organization you represent. If you are accepting on behalf of an organization, you represent that you have authority to bind it.

2. The service

RateStack provides a residential mortgage pricing platform consisting of pricing engine, ratesheet ingestion, lock management, comp/margin, AMI/eligibility, and integration surfaces (REST, GraphQL, webhooks). We may add, modify, or discontinue features over time; material changes affecting paid tiers will be communicated with at least 30 days' notice.

The service depends on third-party subprocessors listed at /trust/subprocessors. We may add new subprocessors with at least 30 days' notice via the changelog and our direct notification streams (Business and Enterprise tiers).

3. Accounts

You are responsible for the security of your account credentials and API keys. You must notify us at security@ratestack.com of any suspected compromise. We will not be liable for losses caused by unauthorized account use.

4. Fees

Sandbox is free. Team and Business carry fixed monthly fees with annual prepay options. Enterprise terms are negotiated. Prices are listed at /plans and may change with at least 30 days' notice; existing prepay commitments are honored at the locked price. Overage policies are described on the plans page; in no event will overages cause loss of service.

5. Customer data

You retain all rights in customer data you submit to the service. You grant us a non-exclusive license to host, process, transmit, and display the data solely to provide the service. We will not sell your data, will not use it to train cross-tenant models, and will only disclose it as required by law (with notice to you where legally permitted).

The Data Processing Addendum at /legal/dpa governs our processing on your behalf.

6. Acceptable use

You may not use the service for any unlawful purpose, may not attempt to circumvent platform security or rate limits, and may not use the service in any manner that violates the Acceptable Use Policy at /legal/acceptable-use.

7. Intellectual property

We retain all rights in the platform itself, including the engine, the integration surfaces, the marketing site, and our trademarks. You retain all rights in your data. Mapping templates that the platform learns from your sheets are scoped to your tenant — you control them, you can delete them, you do not lose them on cancellation (we provide an export window).

8. Confidentiality

Each party will protect the other's Confidential Information using at least the same degree of care it uses for its own confidential information of similar sensitivity, and in no event less than reasonable care. Confidential Information includes pricing, ratesheets, customer data, technical architecture, and any information marked confidential or that should reasonably be understood as confidential.

9. Warranties

We warrant that the service will operate substantially as described in the documentation. Except as expressly stated, the service is provided "AS IS" without warranty of any kind, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted or error-free, except as committed in the applicable service-level agreement.

10. Limitation of liability

To the maximum extent permitted by law: (a) neither party will be liable for indirect, special, incidental, or consequential damages; (b) each party's aggregate liability for any matter arising from these Terms is limited to the fees paid or payable in the 12 months preceding the event giving rise to the liability. These limits do not apply to your payment obligations or to either party's indemnification obligations.

11. Term & termination

These Terms remain in effect while you use the service. Either party may terminate for material breach with 30 days' notice and an opportunity to cure. We may suspend the service immediately for security or acceptable-use violations.

Upon termination, you have 30 days to export your data. We will delete customer data within 60 days of termination unless we are required to retain it by law; deletion confirmation is provided in writing.

12. General

These Terms are governed by Delaware law without regard to its conflicts rules. Disputes will be resolved in the federal or state courts located in Delaware, and each party waives objection to that venue. If any provision is held unenforceable, the remainder will continue in effect. Headings are for convenience only.

We may assign these Terms in connection with a merger, acquisition, or sale of substantially all our assets. You may not assign without our consent.

These Terms, together with the Privacy Policy, the DPA, the Acceptable Use Policy, and any order form or service-level agreement executed between us, constitute the entire agreement.

Questions? Email legal@ratestack.com.

The text on this page is the controlling version. We will publish material changes to /changelog with at least 30 days' notice before they take effect.