API & MCP Terms (draft)

Status of this page

Draft, pending legal review. Until this notice is removed, API access is governed by the Terms of Use and, for Enterprise pools, the signed order form. This draft shows the terms we intend to apply.

What these terms add

These terms supplement the Terms of Use for the Setcoin REST API (/api/v1) and the Setcoin MCP server (together, the “API”), provided by Setcoin Group Inc. (“Setcoin”). Where they differ, a signed Enterprise order form prevails, then these terms, then the Terms of Use.

Accounts, keys and agents

• Keys belong to the account that created them. Keep them secret; calls made with a key, including by an AI agent you connect, are your calls and are billed to you.
• Test keys are free and run on Sandbox limits; live keys need a paid plan. Revoke a key at once if it may have been exposed.
• Engine calls return a free quote first and run only when confirmed. If you let an agent confirm on your behalf, you accept the charges it confirms within your spend cap.

Permitted use and licence

Setcoin grants you a non-exclusive, non-transferable licence, for the term of your plan, to call the API and use its results inside your own organisation and products. On Sandbox, Build and Scale you may not resell, redistribute or publish named records or the Bankability Index in bulk, or use the API to build a competing dataset. Redistribution and commercial-use rights are available only under an Enterprise pool. Keep each fact’s citation when you show it to others.

What the API will not do

• It reports what public registers and your documents show. It is not a credit rating, valuation, recommendation or investment advice, and it never states or implies investment returns.
• It covers companies and vehicles only. Do not use it to profile individuals.
• Capital fit shows public mandates only; Setcoin makes no introductions through the API.
• Public registers can be late, incomplete or wrong. Check anything you rely on for a decision.

Plans, metering and billing

• Sandbox (Free): test keys, 250 search calls and 25 record reads a month, with names, sponsors and source links masked; no engines.
• Build (€490 a month) and Scale (€2,490 a month): the monthly amount is a minimum, drawn down by usage at the published prices. Usage beyond it is billed monthly in arrears, up to the spend cap you set. Unused minimum does not roll over.
• Enterprise: an annual prepaid pool under a signed order form.
• Prices are per call or unit as listed on the pricing page and in the catalogue; the response headers show what each call cost. Calls that fail are not billed, and a retried call with the same idempotency key is billed once. A run answered by our fallback rules reader instead of the AI reader is not billed.
• Prices exclude VAT and other taxes. We give at least 30 days’ notice of a price increase.

Your documents

Documents you send to an engine are processed to produce your result, stored privately to your account, and never used to answer another account or to train models. Do not send documents you have no right to share. See the Privacy Policy.

Availability and support

We aim to keep the API available and publish its state on the status page. Sandbox, Build and Scale come without a service-level commitment; Enterprise service levels are set in the order form. Rate limits per plan apply and are shown in the response headers.

Suspension, changes and termination

We may suspend a key or an account that breaches these terms, puts the service at risk, or has unpaid invoices, and will tell you why. We may change the API; breaking changes to /v1 come with at least 90 days’ notice. You may cancel a paid plan at any time from your account; it ends at the close of the billing month.