DebtStack

Terms of Service

Last updated: February 19, 2026

1. Acceptance of Terms

By accessing or using DebtStack ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

DebtStack provides a REST API and chat assistant (Medici) for accessing corporate debt structure data, bond pricing, covenant analysis, and related financial information. Data is sourced from public SEC filings and FINRA TRACE.

3. Accounts and API Keys

  • You must create an account to use the Service.
  • You are responsible for maintaining the security of your API key.
  • You are responsible for all activity that occurs under your account.
  • Do not share your API key with unauthorized parties.

4. Billing and Payment

  • Pay-as-You-Go users are charged per API call at published rates.
  • Pro ($199/month) and Business ($499/month) subscriptions are billed monthly via Stripe.
  • Purchased credits do not expire.
  • Subscriptions can be cancelled at any time from your dashboard.
  • Refunds are handled on a case-by-case basis.

5. Acceptable Use

You agree not to:

  • Resell or redistribute DebtStack data without authorization.
  • Exceed your rate limits or attempt to circumvent usage controls.
  • Use the Service for any unlawful purpose.
  • Attempt to reverse-engineer, decompile, or extract source data from the API.
  • Interfere with or disrupt the Service or its infrastructure.

6. Data Accuracy Disclaimer

DebtStack provides financial data extracted from public SEC filings and FINRA TRACE. While we make every effort to ensure accuracy, we do not guarantee that all data is complete, current, or error-free. DebtStack data is provided for informational purposes and should not be considered investment advice. You are responsible for verifying any data used in investment decisions.

7. Limitation of Liability

To the maximum extent permitted by law, DebtStack shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to investment losses based on data provided by the Service.

8. Service Availability

We aim to maintain high availability but do not guarantee uninterrupted access. Business tier customers receive a 99.9% uptime SLA. We reserve the right to modify, suspend, or discontinue the Service with reasonable notice.

9. Intellectual Property

The DebtStack API, documentation, website, and Medici chat assistant are the intellectual property of DebtStack. The underlying financial data sourced from SEC filings is public information.

10. Changes to Terms

We may update these terms from time to time. Continued use of the Service after changes constitutes acceptance of the updated terms. We will notify users of material changes via email.

11. Contact

For questions about these terms, contact us at debtstackai@gmail.com.