Terms of Service

1. Agreement to terms

By using BankingLENS (the "Service"), operated by Data Clarity LLC ("we," "us," or "Company"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

2. Description of service

BankingLENS provides analytics and informational reports derived from publicly available FFIEC call-report data. The Service is for informational purposes only and is not financial, legal, investment, credit, or regulatory advice.

3. Acceptable use

You agree not to: (a) use the Service to make credit decisions in violation of the Fair Credit Reporting Act (FCRA) or any other law; (b) resell, redistribute, or scrape the Service; (c) misrepresent the data or the Service; (d) reverse-engineer the Service.

4. Subscriptions and payments

Paid subscriptions auto-renew month-to-month unless canceled. Per-report purchases are non-refundable once the report is generated and delivered. All prices are in USD.

5. Disclaimers

The Service is provided "as is" without warranties of any kind. We do not guarantee accuracy, completeness, or fitness for any particular purpose. See our full disclaimer.

6. Limitation of liability

[Placeholder, limitation of liability clause to be drafted by counsel.]

7. Governing law

These Terms are governed by the laws of the State of Missouri, without regard to conflicts of law principles.

8. Contact

Questions about these Terms: hello@bankinglens.com