Terms of Service

1. Overview of the Services

Anemone helps people manage address and contact information across banks, subscriptions, merchants, utilities, government services, and other organizations. Depending on how you use the product, the Services may include:

• Storing and updating household or mailing addresses and related contact details
• Connecting financial accounts through our banking data partner, Plaid, to help identify merchants and recurring relationships that may need an update
• Authorizing address or contact updates to be sent to connected partners, merchants, or other organizations
• Business integrations and a developer platform (including APIs, webhooks, and related tools) so partner applications can receive contact-update events you authorize

We may add, change, or discontinue features. Some features depend on third parties (for example banks, Plaid, merchants, or postal services) and may not be available in all locations or at all times.

2. Eligibility and accounts

You must be at least 13 years old (or the minimum age of digital consent in your jurisdiction, if higher) to use the Services. The Services are currently designed for users in the United States.

You are responsible for the accuracy of information you provide, for keeping your login credentials confidential, and for activity that occurs under your account. You must complete any required security steps we enable, such as multi-factor authentication. Notify us promptly if you believe your account has been compromised.

If you create an integration developer or business account, you represent that you have authority to bind the organization you name, and that organization is responsible for its users' use of the Services.

3. Privacy

Our collection and use of personal information is described in our Privacy Policy. You consent to that processing as described there, including additional in-product authorizations (for example connecting a bank through Plaid or sharing an address update with a partner).

4. Your information and authorizations

You retain rights to the addresses, contact details, and other content you submit (“Your Information”). You grant us a limited license to host, process, transmit, and display Your Information solely to operate and improve the Services and to carry out actions you authorize.

You represent and warrant that:

• You have the right to provide Your Information and to authorize updates on behalf of the people or household it concerns
• Information you submit is accurate and kept reasonably current
• When you connect a financial institution, you are authorized to link that account and to permit Plaid and Anemone to retrieve the data described in Plaid's disclosures and our Privacy Policy
• When you authorize a contact or address update, you intend that update to be delivered to the selected partner, merchant, or organization

We transmit authorized updates and related data to the recipients you select. We do not control whether a third party accepts, applies, or completes an update, how quickly they do so, or how they store information after they receive it.

5. Acceptable use

You agree not to:

• Use the Services for any unlawful, fraudulent, or deceptive purpose
• Submit false identity, address, or contact information, or impersonate another person
• Attempt to access accounts, data, or systems you are not authorized to use
• Interfere with, scrape, overload, reverse engineer, or disrupt the Services except as allowed by applicable law
• Probe or test the security of the Services except through programs we expressly authorize
• Use developer credentials, API keys, webhooks, or tokens except as documented and solely for your own integration
• Resell, sublicense, or provide the Services to third parties except through an approved integration

We may suspend or terminate access if we reasonably believe you have violated these Terms, created risk for other users, or used the Services in a way that could harm Anemone or our partners.

6. Developer and partner integrations

If you use our APIs, webhooks, embeds, or related developer tools, you must follow the documentation at /developers, keep credentials secret, verify webhook signatures, and process contact-update data only for the customer who authorized the connection and only for providing that customer's requested service.

You may not use integration data to market unrelated products, build competing identity or address graphs for resale, or retain data longer than needed to provide the authorized service, except where law requires otherwise. We may rate-limit, revoke keys, require certification, or change the API with reasonable notice where practicable.

7. Third-party services

The Services may depend on third parties, including Clerk (authentication), Plaid (financial connections), hosting and email providers, banks, merchants, utilities, and government or postal services. Their terms and privacy policies apply to your use of those services. We are not responsible for third-party sites, products, or delays, outages, or decisions outside our control.

8. Intellectual property

Anemone, including software, documentation, design, trademarks, and documentation, is owned by us or our licensors. These Terms do not grant you any right to use our names or marks except as needed to identify a bona fide integration, subject to any brand guidelines we publish.

Feedback you send us may be used without restriction or obligation to you.

9. Fees

We may offer some or all of the Services without charge. If we introduce paid features, we will describe applicable fees before you are charged. You are responsible for any taxes associated with your use of paid features.

10. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT UPDATES WILL BE ACCEPTED BY THIRD PARTIES, THAT FINANCIAL OR MERCHANT DATA WILL BE COMPLETE OR ERROR-FREE, OR THAT THE SERVICES WILL BE UNINTERRUPTED OR SECURE.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANEMONE AND ITS AFFILIATES, OFFICERS, AND SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNTS YOU PAID US FOR THE SERVICES IN THE TWELVE MONTHS BEFORE THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE CASES OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

12. Indemnification

You will defend and indemnify Anemone against claims, damages, and reasonable costs arising from Your Information, your use of the Services, your integrations, or your violation of these Terms or applicable law, except to the extent caused by our willful misconduct.

13. Termination

You may stop using the Services and delete your account at any time, subject to legal retention requirements described in the Privacy Policy. We may suspend or terminate access if you breach these Terms or if we discontinue the Services. Upon termination, the license granted to you ends. Sections that by their nature should survive (including intellectual property, disclaimers, limitation of liability, and indemnity) will survive.

14. Changes to these Terms

We may update these Terms from time to time. We will post the updated Terms on this page and revise the effective date above. If changes are material, we will provide additional notice as appropriate (for example in-product or by email). Continued use after the effective date constitutes acceptance of the updated Terms.

15. Governing law

These Terms are governed by the laws of the United States and the State of California, without regard to conflict-of-law rules, except that if you are a consumer whose local mandatory law requires otherwise, that law may apply to you. Courts located in California will have exclusive jurisdiction over disputes, except where prohibited.

16. General

These Terms, together with the Privacy Policy and any in-product authorizations, are the entire agreement between you and us regarding the Services. If a provision is unenforceable, the remainder remains in effect. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Our failure to enforce a provision is not a waiver.

17. Contact us

For questions about these Terms, contact us at corywoolf@gmail.com.

Website: https://www.anemoneos.com