These terms govern your use of EMRules, a service that collects, translates and structures regulatory publications from financial regulators in emerging markets and beyond and delivers them through a dashboard and an API. In these terms, "EMRules", "we" and "us" mean the operator of the service. By creating an account you accept these terms on behalf of yourself and the organization your account belongs to.
Accounts. You must give a working email address and confirm it before first use, through the link we send or by signing in with a Google or Microsoft account that has confirmed it. You are responsible for activity under your account and your API keys. Keep keys secret and revoke any key you believe is exposed.
Plans and billing. Every workspace starts with a 14-day trial at no charge and with no card, which includes 1,000 API requests in total; once they are used, the API closes until a paid plan starts. When the trial ends without a paid plan, the workspace turns read-only: you can still sign in and manage your account and workspace, but the dataset in the dashboard and the API stay closed until a paid plan starts. Pro costs USD 99 a month or USD 990 a year for up to 2 members, and Team costs USD 299 a month or USD 2,990 a year for up to 5 members. Paid plans are sold by Polar, which acts as merchant of record under its Checkout Buyer Terms: Polar charges you, adds any sales tax or VAT that applies, issues your invoice and handles refunds. A plan is billed in advance in US dollars for the month or the year you choose, and requests beyond its monthly included amount are billed in arrears each month at the published overage rate. Prices can change with 30 days' notice by email, effective from your next billing period.
Cancellation and refunds. You can cancel at any time; see the Refund and cancellation policy.
Acceptable use. Use the service for your organization's internal work. Do not resell, redistribute or publish the dataset or a substantial part of it, circumvent rate limits or plan limits, share keys outside your organization, or probe or disrupt the service.
The data. EMRules does not distribute regulators' original files. Each record holds information extracted from a public regulatory publication (its title, summary, type, dates and classifications) together with an English translation of that information and, where the publication is not in English, an English translation of its text on request, which may be shortened for a long publication, much of it produced by automated systems. The original publication remains the authoritative text and belongs to its publisher; every record names its source so you can consult it there. No source is affiliated with EMRules or endorses any summary, translation, change, commentary or view EMRules adds, and each record says so beside its content. Translations and summaries are provided for convenience and may contain errors: validate them against the original before relying on them. This is information, not legal, financial or compliance advice. We aim for accuracy and timeliness but do not guarantee them.
Availability. We work to keep the service available but do not promise uninterrupted access. We may change or retire features and will give reasonable notice before removing something a paid plan includes.
Liability. To the extent the law allows, our total liability for any claim is limited to the fees you paid in the twelve months before it, and we are not liable for indirect or consequential loss. Nothing here limits liability that cannot be limited by law.
Termination. You may close your account at any time under Account, Profile, Delete account, or by writing to [email protected]. We may suspend or close an account that breaks these terms, after notice where practical.
Law. If you are a consumer, you keep the protections of the law where you live.
Contact. [email protected]