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Terms of Service

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This is a placeholder page. For the complete Terms of Service, please visit matchstra.ca/terms.

Summary​

By using the Matchstra API, you agree to:

✅ Permitted Uses​

  • Use the API for legitimate business purposes
  • Comply with all applicable laws and regulations
  • Implement appropriate security measures
  • Respect rate limits and quota allocations
  • Provide accurate information during registration

❌ Prohibited Uses​

  • Violate any laws or regulations
  • Attempt to bypass security or rate limits
  • Resell or redistribute API access without authorization
  • Use the API to harm, harass, or discriminate
  • Reverse engineer or attempt to extract proprietary data
  • Store or process data in violation of privacy laws

API Usage Terms​

Authentication & Security​

  • API keys are confidential - Do not share or expose them
  • You are responsible for all activity under your API keys
  • Report compromises immediately to security@matchstra.ca
  • Rotate keys regularly as a security best practice

Data Usage & Privacy​

  • Compliance required - Follow GDPR, PIPEDA, CCPA, and applicable data protection laws
  • User consent - Obtain necessary consents before processing personal data
  • Data retention - Respect data retention limits and user deletion requests
  • Purpose limitation - Use API data only for stated purposes

Rate Limits & Quotas​

  • Respect quotas - Do not attempt to circumvent rate limits
  • Monitor usage - Track your quota consumption
  • Upgrade as needed - Contact sales if limits are insufficient
  • No abuse - Excessive or abusive usage may result in suspension

Service Availability​

  • Best effort uptime - We strive for 99.9% uptime (varies by plan)
  • No guarantees - Service may be interrupted for maintenance or issues
  • Notifications - We'll provide advance notice of scheduled downtime when possible
  • Status updates - Check status.matchstra.ca for current status

Compliance & Legal​

Regulatory Compliance​

Your Responsibilities:

  • Comply with AML/KYC regulations in your jurisdiction
  • Maintain appropriate audit trails
  • Implement risk-based approaches
  • File required reports (SAR, STR, etc.) with regulators

Our Responsibilities:

  • Provide accurate screening data
  • Maintain data security standards
  • Update watchlists regularly
  • Support your compliance efforts

Jurisdictional Coverage​

The Matchstra API screens against global watchlists including:

  • US (OFAC, FinCEN)
  • Canada (FINTRAC, GAC)
  • EU (EBA, ESMA)
  • UK (FCA, HMT)
  • United Nations
  • Interpol

Data Processing​

  • Processor role - Matchstra acts as a data processor for your data
  • Controller role - You are the data controller
  • DPA available - Enterprise customers can request a Data Processing Agreement
  • Subprocessors - We use vetted third-party services (list available on request)

Intellectual Property​

Ownership​

  • API & Platform - Matchstra retains all rights to the API, documentation, and platform
  • Your Data - You retain all rights to data you submit
  • Results - Screening results are licensed to you for your use

Restrictions​

  • Do not copy, modify, or create derivative works of the API
  • Do not remove or alter any proprietary notices
  • Do not use Matchstra trademarks without permission

Billing & Payment​

Plans & Pricing​

  • Subscription billing - Plans billed monthly or annually
  • Quota-based - Pricing based on request volume
  • Overages - May apply depending on plan (see pricing page)
  • Upgrades/downgrades - Prorated adjustments

Payment Terms​

  • Payment due - Upon receipt of invoice
  • Auto-renewal - Plans renew automatically unless cancelled
  • Cancellation - 30 days notice required
  • Refunds - No refunds for partial months (exceptions for service failures)

Taxes​

  • Prices exclude applicable taxes (VAT, GST, etc.)
  • You are responsible for paying all applicable taxes
  • Tax collection depends on your jurisdiction

Termination​

By You​

  • Cancel anytime with 30 days notice
  • Data export available before termination
  • No refunds for unused quota

By Matchstra​

We may suspend or terminate your access if:

  • You violate these terms
  • You engage in fraudulent or illegal activity
  • Your account is inactive for 12+ months
  • Payment is overdue by 30+ days
  • You pose a security risk

Upon Termination​

  • API access immediately revoked
  • Outstanding invoices remain due
  • Data deleted after 90 days (unless legally required to retain)
  • No refunds for prepaid services

Liability & Disclaimers​

Service "As Is"​

  • API provided "as is" without warranties
  • No guarantee of accuracy, completeness, or reliability
  • No guarantee of uninterrupted service

Limitation of Liability​

To the maximum extent permitted by law:

  • Matchstra is not liable for indirect, incidental, or consequential damages
  • Total liability limited to fees paid in the 12 months prior to claim
  • No liability for third-party services or data sources

Indemnification​

You agree to indemnify Matchstra against claims arising from:

  • Your use of the API
  • Your violation of these terms
  • Your violation of applicable laws

Changes to Terms​

  • We may update these terms at any time
  • Material changes will be notified via email
  • Continued use after changes constitutes acceptance
  • Enterprise customers may have negotiated terms

Governing Law​

  • Governed by the laws of [Jurisdiction - to be specified]
  • Disputes resolved in [Jurisdiction] courts
  • Arbitration may be required (per your plan agreement)

Contact​

Questions about these terms?

Last updated: January 2, 2025

Effective date: January 2, 2025

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This is a simplified summary. For complete legal terms, visit matchstra.ca/terms or contact our legal team.