These terms are an agreement between you and Douglas Insights, Inc., a Delaware corporation that operates EconoMonitor (economonitor.com) ("EconoMonitor", "we", "us"). By using the site or buying a plan, you agree to them. If you use EconoMonitor for an organization, you confirm that you can accept these terms for it.
1. The service
EconoMonitor provides structured financial and economic data, charts, rankings, reports and articles based on official public sources. Data pages are free to read. Some features, such as downloads, full history, alerts, peer reports and API access, require a paid plan.
2. Not advice
Content is for information only and is not financial, investment, legal, tax or accounting advice. See the Disclaimer.
3. Free use and citation
- You may view free content and quote individual figures, charts or short extracts, with attribution to EconoMonitor and to the original publisher, for example "Source: EconoMonitor (economonitor.com), based on FDIC Call Report data", and a link to the page.
- You may not scrape, bulk copy or redistribute our database or substantial parts of it, or use it to build a competing service, without a written licence from us.
- Underlying official data remains subject to the original publisher's terms. Where a source requires attribution, keep it.
4. Accounts
You must give accurate information and keep your login secure. Accounts are for one named person unless your plan says otherwise. Do not share logins. You are responsible for activity under your account.
5. Paid plans and subscriptions
- Quotes, prices and taxes. Paid access is offered by individual quote or order form in US dollars. The price, billing period and what is included are confirmed in writing before you pay. Applicable sales tax, VAT or GST is added where required.
- Automatic renewal. Monthly and annual plans renew automatically at the end of each billing period, at the price then in effect, until you cancel. The renewal terms are shown, and you agree to them, before you pay.
- Renewal reminders. For annual plans we email you before each renewal, with the date and amount.
- Cancellation. Cancel at any time through the billing link in your receipt (Stripe customer portal) or by emailing billing@economonitor.com. Cancellation stops the next renewal. You keep access until the end of the period you have paid for.
- Refunds. Refunds follow our Subscription and Refund Policy.
- Price changes. We will give at least 30 days' notice by email before a price change applies to your plan. You can cancel before it takes effect.
- Written agreements. If you sign an order form or enterprise agreement with us, its terms apply where they differ from these terms.
- Payment. Payments are processed by Stripe. If a payment fails, we may pause paid features until it is resolved.
- One-time products. Peer reports and custom analyses are one-time purchases. What you receive and when is described in your quote or order confirmation.
6. Licence to paid content
While your plan is active, you may download data and reports and use them inside your organization, for your own analysis, presentations, client work and internal models. You may quote and chart limited extracts in published work with attribution. You may not resell, sublicense or publicly redistribute downloaded datasets, or load them into a product offered to others, unless you have a written data licence from us. Higher-volume or redistribution use is available under an enterprise agreement.
7. API
If your plan includes API access, keep your API key secret and stay within the rate limits for your plan. We may suspend keys that are shared, leaked or used abusively.
8. Acceptable use
No automated access that overloads the site or avoids plan limits, no attempts to break security, no unlawful use, and no use that presents EconoMonitor data as your own or as endorsed by a data publisher.
9. Intellectual property
The EconoMonitor name, logo, site design, derived metrics, texts and compilations belong to Douglas Insights, Inc. Official source data belongs to its publishers under their terms.
10. Availability and changes to the service
We work to keep EconoMonitor available and accurate, but we may change, add or remove features. If we remove a core feature of a paid plan during your billing period, you may cancel and receive a pro-rata refund for the unused period.
11. No warranty
The service is provided "as is" and "as available". To the extent the law allows, we disclaim all warranties, including fitness for a particular purpose and accuracy of source data.
12. Limitation of liability
To the extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for losses arising from reliance on data that later proves inaccurate. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim, or US$100 if you have not paid us.
13. Termination
You may close your account at any time. We may suspend or close accounts that break these terms. Sections that by their nature should continue (such as licence limits, disclaimers and liability limits) continue after termination.
14. Governing law
These terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law rules. Courts located in Delaware have exclusive jurisdiction, except where the law of your place of residence gives you a right to bring a claim locally.
15. Changes to these terms
We may update these terms. We will post the new version with a new date and, for material changes, notify account holders by email. Continued use after the effective date means acceptance.
Contact
Douglas Insights, Inc. (EconoMonitor), 651 N Broad St, Suite 201, Middletown, DE 19709, United States. Email: contact@economonitor.com. Billing: billing@economonitor.com.